© 2020 JETIR August 2020, Volume 7, Issue 8 www.jetir.org (ISSN-2349-5162)
JETIRED06044
Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org
222
A STUDY ON LOANS AND ADVANCES OF
COMMERCIAL BANKS
Katta Harichandana, Master of Business Administration,
Mr Md. Sohail Baba, Assistant Professor, Department of Master of Business Administration,
Malla Reddy Engineering College and Management Sciences, Medchal, Telangana – 501401
ABSTRACT
India can be described as small and medium-sized
industrial, public sector entities, its largest economy
recaptures is a country with a growing economy. In
accordance with the requirements of capital in the
country, the government.
Through the implementation of a number of
projects, provide financial assistance to the debt
back. Banks, in turn, played an important role in the
economic development of the countries in the world
and provides loan and advances; Loans and
advances through the major part of the funds used
by banks. With the advent of the bank, the credit
and the development of improved demand. the
development of industry, banking services, can not
be used. This time, in order to meet the needs of
people, directly and indirectly, support the
industrial development bank. Through these loans,
the bank carried out using an objective advantage,
as well as provide for workers who need financial
support. Thus, a number of banks and credit
programs based on the music industry and play an
important role in the Indian economy and the loan
may vary.
Loans to banks and credit background. Loans to
borrowers with beneficial activities and required the
bank to enjoy the economic benefits. The interest
rates of bank loans, in addition to income and cash
rebates. the ability to borrow money supply,
deposits, and with the time, interest and discount
income. Any debt is an important task of the bank.
Agrasen several companies, traders, and provide
financial assistance for the industry. Especially in
advertising, new products (goods), and to expand
the existing drive. As a result, the financial sector,
to address the concern, a number of banks and
financial institutions, which led to chaos.
The job mainly focuses on the bank. The main
purpose of the various loan programs and bank
Agrasen test. Data analysis and interpretation, and
in the last 5 years are taken into account. This is a
good credit and bank loans will be implemented
through the development of several projects
Agrasen. Through this review, we knew of project
funds in several bank loan income.
1. INTRODUCTION:
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© 2020 JETIR August 2020, Volume 7, Issue 8 www.jetir.org (ISSN-2349-5162)
JETIRED06044
Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org
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OBJECTIVES OF THE STUDY
Identify the source of the loan and credit
financing.
Growth in loans and Agrasen basic information
on the different types of Hellenic Bank.
Agrasen five years.
Read the precautions taken for the loan.
Bank loans and achievements in ensuring
benefit analysis.
Conduct issued by the Bank Agrasen various
events and functions.
The process of the customer's payments for the
support and development of customer credit and
payment methods.
Various credit schemes Agrasen Hellenic Bank
for the best experience in the analysis and
interpretation.
Learn more about the growth of credit and to
support the future grid.
Credit and banking activities as an integral part
of the development.
SCOPE
Loans and project development Agrasen Ltd Co-
operative Bank. Under this project, the development
of credit and banking institutions bear responsibility
for the work.
The volume of loans Agrasen Cooperative Urban
Bank Ltd. Researchers in the various systems of the
complex research environment, companies or
enterprises of the total consumption for the
Cooperative Bank Agrasen, business organizations,
limited progress has made limited; The owner, a
businessman; Candidates for housing and trade, etc.
In order to qualify for a loan by Bank customers in
advance of the proposed business plan as well as
the analysis and preliminary plans for the various
interest rates.
The debt and the city Agrasen Business Banking in
the last 5 years, interprets and analyzes to evaluate
the different models. This credit balance is good,
and to develop a system of credits carried out in
various ways. By listening to this development a
priority for the bank money, because we know, as
well as loans.
2. LITERATURE SURVEY
SURVEY – 1
Title: Mortgage loan requirements
Professional Federal Council Federal requirements
for loans, official loan research greater. This year's
banking survey passed 25% of the largest and
largest companies in business operations and the
production of secured loan applications can be
found in Bloom. 10% of small businesses the great
need for loans
This also improves the quality of credit business
ability. More than half of national banks, which
inject high-quality loans and loans and funds, 35%
of small business loans advertise better but have
improved.
During the seven months of the financial year 7 (a),
the loan plan is introduced and compared with the
one time of the year, of which 53% of your time is
now. At the time of registration, a $ 13 billion Dyna
7 (a) loan plan was approved before the end, and
also exercised a mandatory mandate of $ 17.5.
Thus, it has been found that they borrow on
payments.
SURVEY -2
Title: Support for the fair value of installment loans
© 2020 JETIR August 2020, Volume 7, Issue 8 www.jetir.org (ISSN-2349-5162)
JETIRED06044
Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org
Financial Communication Details CFA Institute
CFA took the director at fair value in another
country report.
Institutions CFA researchers%, very high quality,
transparency and justice The size of the asset is in
the value of the property which is reflected in
available information. There is little. During and
after the global financial crisis, analysts and board
members who are not among investors and meet the
bank and the media.
In September, more than 70%, or almost 800 of the
total of 1,100 respondents, who guarantee mortgage
credit and financial need as the basis for a strong
desire to become a security guarantee.
3. RESEARCH METHODOLOGY
RESEARCH METHODOLOGY
Technical project for a systemic approach. The best
way to plan and to speak with a plan to solve the
problem is planned.
SOURCES OF DATA:
The information presented in this report depends on
the lowest date for primary and secondary
education.
Primary Data:
Reference data has been published previously,
based on other data derived from simple
information previously learned. This study was a
discussion and personal experience of personal
information that first tries to get directly from
sources.
Sources of primary data:
Talk to the leader too
Interview with head office (ie Bank
C.E.Os.)
private entry
Secondary Data:
Further information says that the target was not and
survey data was collected. It was collected by
researchers, books, reports, articles and other
information that is written.
Additional sources of information:
brochures and games
Book
Internet:
LIMITATIONS
Loans and tours in research and you will be
limited in time to mention.
Further research from the bank (ie Bank and
Agrasen)
Researchers on information from the bank as a
whole.
Time is one of the barriers to research. IEG
research is duration of 5 years.
Agrasen Bank, with a 5-year assessment of
results.
Loans and development of this work are similar
to theoretical design.
Researchers are relevant to some reports that
there is a relationship with a bank with
confidentiality policies that cannot be reached.
Research is limited to local banks
4. DATA ANALYSIS & INTERPRETATION
DATA ANALYSIS AND INTERPRETATION
The primary purpose of the Agrasen lender bank is
to accept deposits from the public. For your
customers, the benefits can go into loan plans and
have better credit and management.
In this context, analysis and interpretation of the
various loan schemes and an evaluation of the
effectiveness of Agrasen Bank for outstanding bank
loan and development over the past five years were
undertaken. Through this review, we are coming to
revenue, the bank has various loan plans to provide
credit and development information.
© 2020 JETIR August 2020, Volume 7, Issue 8 www.jetir.org (ISSN-2349-5162)
JETIRED06044
Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org
ANALYSIS IS DONE ON THE FOLLOWING
CRITERIA:
Agrasen Urban Cooperative Bank Ltd on the basis
of good credit and development
For 5 years, with efficient use of credit and general
development and canned downloading systems,
Agrasen created the Urban Cooperative Bank for
the implementation of multidisciplinary planning
and loan.
The X-axis represents the practice, the c-axis
number.
AMOUNT OUTSTANDING ON MORTGAGE
LOAN
Analysis: what is good for most of the year 2010-
2011. From 2006 until 2011, there was a gradual
increase in the numbers.
Interpretation: consumers for the purpose of
special purposes, such as business, financial
condition and response to life is good, have been
involved in the request to be in.
OUTSTANDING AMOUNT ON VEHICLE
LOAN
Analysis: car loan rates in 2008-2009. The
minimum size for the first two years, ie, 2006-2008.
After that, there is a gradual reduction from 2009
until 2011.
Interpretation: the rate of decline compared to the
cost of a conventional automobile car is very
elegant because it did not have a car, which caused
the independent development of the economy.
OUTSTANDING AMOUNT ON TERM
LOANS
The level analysis is higher: 2010-2011. During the
first two years, ie, 2006-2008. Then he and remind
cuts in 2008 - 2011.
OUTSTANDING AMOUNT ON TERM
LOANS (S.S.I)
Analysis: The reason for the decline in the market
price of credit and business is related to the changes
in the environment, which is a small network.
Usually, that is, based on 50 Uses Policy.
Interpretation: The reason for the decline in the
market price of credit and business is related to the
changes in the environment, which is a small
network. Usually, that is, based on 50 Uses Policy.
OUTSTANDING AMOUNT ON TERM LOAN
(OTHERS)
Analysis: 2010-2011. In 2009-2010, the minimum
amount is not a good many years.
Interpretation: According to the market economy,
business priorities change as a change in volume.
Long-term loans are usually 50, ie, the policy if I
ever do so, the issue of business and markets.
OUTSTANDING AMOUNT ON CASH
CREDIT OVERDRAFT (C.C.O.D)
0
20
40
AMOU…
0
20
40
AMOUNT (in lacs)
0
10
20
30
AMOUNT(in crs)
AMO…
© 2020 JETIR August 2020, Volume 7, Issue 8 www.jetir.org (ISSN-2349-5162)
JETIRED06044
Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org
Analysis: What is this year in 2010-2011. A total
minimum of 2 years 2006-2008. After that, the
same number will be increased.
Interpretation: This is the amount of payment of
the loan amount will depend on the term deposit
rates because there is no demand for this type of
loan is very large, they grow. (C.C.O.D), the
consumer is and growth, as well as quantity, and
therefore there. Not because the customer needs
based on the number of things, but also beneficial to
the customer.
5. FINDINGS OF THE STUDY
At the same time, the company is working
to increase its working capital due to good
cash flow.
When a company does not have money to
buy real estate and investment activities,
Depending on the company at the time of
increasing the current cash flow capital.
As the company increased its capital / Rs
417000
Growth of the company's total sales.
During a time when a company does not
have loan sales,
To raise money
6. CONCLUSION
In this section, the researchers attempt several
previous works related to this study. This is part of
the flow of money and about the importance of
information and help in understanding money. The
climate runs out of money due to annual or unpaid
profits and losses by the company and more. As a
result, we report on the financial reports for the cash
flow index and balance sheet, as well as the income
statement. On the other hand, make sure that each
program is based on the company's financial
position and financial reports, the company's
current and future assets, its values , and costs, and
the inability to manage its market income if you are
unsure of the company's financial position.
REFERENCES
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Mba-Pdf
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l-Project-on-Cash-Flow-Analysis-for-union-
bank-of-india
https://www.slideshare.net/Pavanwani06/cas
h-flow-statement-53487527
http://www.projectfever.com/index.php?mai
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https://study.com/academy/lesson/project-
cash-flow-analysis-examples.html