A STUDY ON DEPOTS OF VIYYUR SERVICE CO-OPERATIVE BANK LTD. NO.

177

1.1 INTRODUCTION

“The essence of a role-playing game is that it is a group, co-operative

experience”

Gray Gygax

The word co-operation is derived from the Latin word “Co – operari”, which
means “working together”. In other words, co-operation means working
together with others for a common purpose. The principal of co-operation is
as old as human society. It is the basis of domestic and social life. The co-
operation effort is the group instinct in man which enable him to live
together, work together and help each other in times of stress and strain.

In the primitive societies the germs of co-operation could be

observed in religious institutions and traditional customs. The spirit of village
communities of India was almost entirely co-operative. Co-operation in an
economic system was born as a peaceful reaction against the industrial
revolution which had resulted in the concentration of wealth, mass poverty
and degradation. The industrial revolution gave rise to capitalism which
resulted in property less, money less and homeless people.

Co-operation as a new philosophy, developed as a result

against capitalism and irrational [Link]-operation is originated as a
defensive bulwark against exploitation of the wealth by those in a stronger
economic position.

International Co-operative alliance (ICA) defines “A co-operative society is

an autonomous association of persons united voluntarily to meet their

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common economic, social and cultural needs and aspiration through a jointly
owned and democratically controlled enterprise.”

1.2 CO-OPERATIVE MOVEMENT IN INDIA

In India co-operative movement was introduced as a government policy. The

government took initiative for organizing co-operative societies by passing
co-operative credit societies Act of [Link] was under certain circumstances
like famine, poverty, exploitation, and indebtedness, which necessitated the
introduction of a new idea by the Indian Government. The farming
community in India was heavily under debt and was greatly exploited by the
money lenders. For the last so many years India under British rule, the main
occupation was agriculture. The poor farmers depended on money lenders for
loans, and they charged exorbitant rate of interest. They become poorer and
poorer.

The movement was introduced as a Government policy Montague

Chelmsford Act Of 1919 made co-operation a state subject. Frederic
Nicholson was considered as “father of co-operative movement in India.

1.3 CO-OPERATIVE MOVEMENT IN KERALA

After the re-organization of states on linguistic basis, the Kerala state came in
to force on 1st November [Link] area of the state was included princely
state Cochin, Travancore and Malabar region of Madras Province. Shri, c.
Rajagopalachari who was then Diwan of cochin state took initiative for the
enactment of Cochin Co-operative societies Act of 1913 in Cochin area. He
was the registrar of co-operative societies in Madras. The Edawanakad
agricultural credit society was the first co-operative society registered as per
this Act…The Travancore Cochin co-operative societies Act of 1951 and the
Madras co-operative societies Act of 1932 in Malabar region were continued

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till the enactment of Kerala Co-operative Societies Act of [Link] KCS Act
Came in to force on [Link] contained 110 sections and 201 rules. The
rule came in to force on 14.07.1969.

1.4 STATEMENT OF THE PROBLEM

Viyyur service co-operative bank LTD no:177 is the only institution

which extends its helping hand to the needy and poor people in viyyur
village (Viyyur, Padukkad, Evannoor and pandikkavu).From the members of
the bank within its area of operation I came to know that they believes and
depends on it for their entire financial requirement. It also undertakes several
non-banking activities which benefits to the whole society as three Neethi
Medical Store, One Consumer Store, Fertilizer Depot, Onam- Christmas
Chanda etc.

The bank is running at profit during the study period and is

declaring divided at 15% of its paid-up share capital after keeping different
types of reserves, so as to build a strong financial base. In order to know
more about the bank, I have selected our problem as “A study on deposits of
Viyyur Service Co-operative bank Ltd No 177”. In the study I intend to make
a detailed analysis on deposits.

1.5 NEED AND SIGNIFICANCE

The Viyyur Service Co-operative Bank is established to render assistance for

the development of the Laker sections of the society. To increase the
economic interest of the members and development of the society are the
main objectives of the bank. The bank also provides several non-banking
functions so as to control the rise in price of agricultural and consumer goods.
Financial statements do not reveal important conclusions such as efficiency
of Management, strength and Inkiness of the firm’s future programs, etc. But

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if analyze the financial statements can draw conclusions it is possible to

understand more about the business, thus it become necessary to analyses
financial statements in order to understand more about profitability and
financial position of a business.

 The study is helpful to analyses the deposits of the bank.

 It also helps to understand the current financial Positions.
 It shows the capital structure of the bank.
 It defines the strength and lackness of the bank.

1.6 OBJECTIVE OF THE STUDY

The objectives of the study made in Viyyur Service Co-operative Bank are
given below:

 To analyses the various deposits provided by VSCB.

 To know about the history, and development of VSCB.
 To access the profitability of VSCB in the last 5 years.
 To evaluate the efficiency of VSCB.
 To examine the performance of banking and non-banking
activities of VSCB.
 To provide better suggestion for improvement

1.7 METHODOLOGY OF THE STUDY

Methodology is the way of solving the research problem in a systematic

manner. The study was based on both primary and secondary data.

Primary Data

I have collected primary data through the discussions with secretary and other
staff of Viyyur Service Co-operative Bank Ltd No:177.

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Secondary Data

The secondary data is collected from various records maintained by the

banks. It includes R&D statement. Balance sheet, Audit report, Bye law,
Minutes book.

TOOLS OF ANALYSIS

Percentage analysis is used and last 5 years data is taken for our study Tables
and charts are used for presenting data.

1.8 SCOPE OF THE STUDY

The scope of study is limited to Viyyur service co-operative bank Ltd

[Link] period selected for the study was 5 years 2017-2018 to 2021-
[Link] study has time span of 10 days. Hence the scope of study is limited
to this time period. At most care has been taken by us to make this study
more clear and accurate.

This study gives a practical experience about the working of the

society. It gives a chance to know the economic participation of members,
obligation of co-operative society to public, interaction between the
managing committee, staff and members etc. I tried maximum to Analyze the
factors regarding loans and deposits.

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1.9 LIMITATIONS OF THE STUDY

 The data has been taken from the previous records and annual reports of
the bank. So, these resources cannot be effective source because it has
its own limitation.
 The results of the study and their accuracy depend very much on the
data released by managers and employees therefore, it results in some
response that will affect the accuracy of the study.
 Ratios are generally calculated from past financial statements hence
they are no indicators of future.
 The results are not reliable or adequate for taking further actions as it
concise for a period of 5 years.
 Study is conducted for 10 days, which is not sufficient for a detailed
study.

1.10 REVIEW OF LITERATURE

Literature has unavoidable role in almost all investigations. Revils of related

studies and literature enriched this project work also. It can supply the new
ideas about past, present, future happening and also about the efficiency of
the management of the society. I got information from examination of
available reports, books of co-operative and allied laws, financial statement,
Audit report and annual general body reports etc. prepared and maintained by
the society are helpful for our study. The co-operation of the staff of the
viyyur Service Co-operative Bank Ltd No.177 was a great helping hand to
our book. The ideas from previous work and project manual are also helpful
for project work.

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2.1 PROFILE OF THE INSTITUTION

VIYYUR SERVICE CO-OPERATIVE BANK LTD NO:177

(Table No.1)
Name Viyyur Service Co-Operative Bank
Ltd No:177
Date of Registration 26.04.1927
Area Of Operation Limited to Viyyur Village
(VIyyur,Padukkad,Evannur)
No. of Branch 3,1 Evening counter
No. of Employees 21
No. of members 14538
Membership A class, B Class, C class
Authorised Share Capital 52000000
Paid Up Share Capital 27370260
Total Deposit 1385650690
Total loan 808047063
Total Investment 7675304
Net Profit 36978390.58
Liability Limited Liability
Audit Classification B Class
Grade Class 1 Special Grade
MBP MBP Of the bank 150 times of the
Paid up Share Capital Reserve
Capital
IMBP 5000000
Other Activities Neethi Medical Store, Manure,
Consumer Store

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2.2 HISTORY OF THE BANK

Viyyur Service Co-Operative Bank Started its business as “VIYYUR

PARASPARA SAHAYA SANGHAM” on 26 April 4, [Link] On 19
January 1968 it started its business as “Viyyur Co-operative Society” and on
16 September 1976 as Viyyur Service Co-operative Bank. In accordance with
the audit classification the bank has raised as class 1 special grade from A
class standing Sri.M. Sankunni Nambadi and Sri. Govindan Ezhuthachanar
the first president and secretary of the bank respectively.

An evening counter has started on 16 April 2013 on the ground floor of

the head office. This evening counter and its branch at padukkad have been in
good working condition. A new branch at Evannoor area to help the
customers with their excellent service.

At present, Due to the past of modern banking facilities RTGS, NEFT,

my bank mobile banking facilities are implemented. Existing Mobile banking
facility in Nationalized banks through our application called “My Bank”
implemented in the bank.

2.3FUNCTIONS AND OBJECTIVE OF THE BANK

 The main objective of the bank is to provide loans and advance its

members meet their agricultural needs

 To provide seeds,fertilizers,insecticides,agricultural implements

 To open consumer stores within the area of operation
 To sell agricultural and industrial products in beneficial way through
 Some marketing grouop for the members
 To prepare plans and procedures for the production of agricultural
products for the members

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2.4 MANAGEMENT AND ADMINISTRATION

The management of the society is vested with board of directors elected by

the general body of all members of the bank, out of which 3 seats are
reserved for women and 1 seat SC, ST Candidates. The seat for deposited
candidates and the tenure of bank is 5 year. The president of the bank elected
by the members.

BOARD OF DIRECTORS

President: K.R. Chandran

Directors: A.K. Radhakrishnan

K.P. Baby

[Link]

V. Mani

P.V. Prakash

T.K. Govindankutty

Chandrika Mohanan

Uma Balakrishnan

Jameela

K.C. Rajendran

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ORGANISATIONAL STRUCTURE
General body
↓
Board of Directors

↓
President

↓
Secretary

↓
Accountant

↓
Internal Auditor

↓
Senior Clerk

↓
Junior Clerk

↓
Appraiser

↓
Sales Manager
↓
Peon
↓
Night Watchman

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BOOK MAINTAINED BY THE SOCIETY

As per rule 29 every society has to keep and maintain for such period and
manner the account books and register of the society.

Records include:

 Minute Book

 Day Book

 General Ledger

 Subsidiary Ledger

 LiabilityRegister

 Admission Register

 Share aopplication register

 Loan Ledger

 Bill collection register

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MEMBERSHIP
There are three type of shares,they are A class,B Class & C Class.
In Viyyur Service Co-operative Bank Ltd No.177 there are 3 class of
members. They are:
A Class – Individual [Link] those who attained age of 18 years.
B Class – Government
C Class – Nominal or Associate Members
(Table No.2)
TABLE SHOWING THE NUMBER OF MEMBERS:
Year Total number of Increase/Decrease Percentage
members
2017-2018 13808
2018-2019 14000 192 1.39
2019-2020 14427 427 3.05
2020-2021 14516 89 0.61
2021-2022 14538 22 0.15
(Base Year 2017-2018)
(Graph No.1)
GRAPHICAL REPRESENTATION SHOWING NUMBER OF MEMBERS

Total number of members

14600
14400
14200
14000
13800
13600
13400
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Total number of members

Interpretation: The graph showing number of members of the society. In the

year 2021-2022 the total number of members of the society slightly
increasing.

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SHARE CAPITAL

Share capital Represents the initial contribution made by the members

towards the resource’s society. Share capital may be classified as:

 Authorized share capital

 Paid up share capital

Authorised Share Capital

Authorised share capital means the maximum amount of share capital that
can be raised by the bank through the issue of shares to public. It is specified
as per the registered byelaw of the bank. This can be increased through the
amendment of byelaw. The authorized share capital of Viyyur Co-operative
bank is 52,00,000.

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Paid Up Share Capital

It means the actual amount of capital paid by the member of the society. That
means the actual amount of share capital collected by the bank from its
members through issuing of shares. The bank continuous to issue share until
it reaches the authorized share capital.
(Table No.3)
TABLE SHOWING PAID UP SHARE CAPITAL
Year Paid up share Increase/Decrease Percentage
capital
2017-2018 21798100
2018-2019 23892800 2096450 9.61
2019-2020 25873300 1980500 8.28
2020-2021 26873200 999900 3.86
2021-2022 27370500 497300 1.85
(Base Year 2017-2018)
Graph No: 2
GRAPHICAL REPPRESENTATION SHOWING PAID UP SHARE CAPITAL

Paid up share capital

30000000

25000000

20000000

15000000

10000000

5000000

0
2017-2018 2018-2019 2019-2020 2020-2021

Paid up share capital

Interpretation: The graph showing paid up share capital. The graph shows
increasing trend.

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WORKING CAPITAL
Working capital is the difference between current assets and current
liabilities. It is the capital required for the day to day working of an
enterprise. Working capital is an indicator of the short term financial position
that measures the overall efficiency of an organization.
(Table No:4)
TABLE SHOWING WORKING CAPITAL
Year Working Capital Increase/ Percentage
Decrease
2017-2018 1159065767.23
2018-2019 1256135794.76 97070027.53 8.37
2019-2020 1350495097.69 94359302.93 7.51
2020-2021 1398831639.69 48336542 3.57
2021-2022 1393872027.78 -4959611.91 -0.35
(Base Year 2017-2018)
Graph No:3
GRAPHICAL REPRESENTATION SHOWING WORKING CAPITAL

Working Capital
1600000000

1400000000

1200000000

1000000000

800000000

600000000

400000000

200000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Working Capital

Interpretation: The graph showing working capital. There is a fluctuation

in the graph.

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INVESTMENT
Investment meaning is primarily to obtain an additional source of income or
gain profit from the investment over a specific period of time. Investment of
the bank includes Govt. Securities, shares in other organizations and other
securities and [Link] are also made to benefit from future
appreciation in the value of an asset.
(Table No:5)
TABLE SHOWING IVESTMENT
Year Investment Increase/Decrease Percentage
2017-2018 601037272
2018-2019 603923152 2885880 0.48
2019-2020 625452598 21529446 3.56
2020-2021 679605028 54152430 8.65
2021-2022 687280332 7675304 1.12
(Base Year 2017-2018)
Graph No:4
GRAPHICAL REPRESENTATION SHOWING INVESTMENT

Investment
700000000

680000000

660000000

640000000

620000000

600000000

580000000

560000000

540000000
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Investment

Interpretation: The graph showing investment. There is a fluctuation in the

graph.

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OVERDUE
Overdue literally means “past the due date.” Bills that are not paid on time
are overdue. So are library books not returned or renewed by the date
specified by the library. However somethings that are overdue don’t have a
particular date associated with them.
(Table No:6)
TABLE SHOWING OVERDUE
Year Overdue Total Loan Percentage
2017-2018 89228743 648296265 13.76
2018-2019 93707575 743319304 12.66
2019-2020 106866156 822374660 12.99
2020-2021 123854412 818085207 15.13
2021-2022 139459274 808047063 17.25
(Base year is the previous year 2017-2018) (Percentage=Overdue/Loan*100)
Graph No:5
GRAPHICAL REPRESENTATION SHOWING OVERDUE

Overdue
160000000

140000000

120000000

100000000

80000000

60000000

40000000

20000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Overdue

Interpretation: The graph showing overdue. There is increase in the graph.

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RESERVE FUND
Reserve fund is a savings account or other highly liquid asset that a person or
company has set aside to cover any potential costs or financial
obligations ,especially those that occur [Link] the fund is
formed to cover the cost of planned improvements,lessliquid assets can be
used.
(Table No.7)
TABLE SHOWING RESERVE FUND

Year Reserve Fund Increase/Decrease Percentage

2017-2018 3318336
2018-2019 3922075 603739 18.19
2019-2020 4619866.94 697791.94 17.79
2020-2021 4882837.09 262970.15 5.69
2021-2022 4980319.09 97482 1.99
(Base Year 2017-2018)
Graph No:6
GRAPHICAL REPRESENTATION OF RESERVE FUND

Reserve fund
6000000

5000000

4000000

3000000

2000000

1000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Reserve fund

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Interpretation: The graph showing reserve fund showing increasing trend.

NET PROFIT
Net profit is the amount of money in the business earns after deducting all
operating, interest, and tax expenses over a given period of [Link] arrive at
this value,you need to know a company’s gross [Link] the value of net
profit is negative ,then it is called net loss.
(Table No:8)
TABLE SHOWING NET PROFIT
Year Net Profit Increase/Decrease Percentage
2017-2018 4024924.83
2018-2019 4651944.83 627020 15.57
2019-2020 1753134.39 -2898810.44 -62.31
2020-2021 649877.90 -1103256.49 -62.93
2021-2022 3697839.58 3047961.68 469.00
(Base Year 2017-2018)
Graph No:7
GRAPHICAL REPRESENTATION SHOWING NET PROFIT

Net profit
5000000
4500000
4000000
3500000
3000000
2500000
2000000
1500000
1000000
500000
0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Net profit

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Interpretation: The graph showing net profit. There is a fluctuation in the

graph

DISPOSAL OF NET PROFIT

Net profit derived above is divided as given below:

 25% of the net profit to reserve fund.

 7% of agricultural stabilization fund.

 5% of the net profit or Rs.60000 whichever is less to co-

operative education fund.

 Not more than 7.5% to public welfare fund.

 Not exceeding 25% paid up share capital as dividend.

 5% to professional education fund.

 10% to member relief fund.

 To any other fund as per the provisions of bye law and as

decided by the general body.

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2.2 DESIGN AND CASE STUDY OF PROBLEM

The problem selected for the study of deposits of Viyyur service Co-
operative Bank [Link] collecting the data the next step is to
analysis and interpretation of [Link] techniques of graphical
represennatation like bar digram,charts,and table are used to analysis and
interpretation of [Link] indicates all the data relates to the bank in the 5 year.

Deposit

Deposit of Members are the most important source of finance of primary

credit society. It is the primary duty of the bank to mobilize the savings and
for this purpose. They must be able to inspire confident and local interest.
The success of the bank mainly depends on the deposits and its utilization in
profitable manner. Deposit mobilization as a vital role in managing day to
day financial transaction of the bank. Deposit are regarded as the life blood of
the banking business. There are different type of deposits issued by the bank:

 Savings Deposit
 Current Deposit
 Athulya Nidhi
 Soubagya Nidhi
 Recurring Deposit
 Group Deposit and Credit Scheme

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Savings Deposit

It allow individuals to deposit and store their money while earning a certain
rate of interest on the deposited [Link] primary objective of a savings
account is to encourage individuals to save money over sometime,providing
them with a safe and accessible place to keep their funds.

Current Deposit

Current deposit is a type of bank account which is opened by the people in

order to do business transactions which is why it is also known as business
[Link] is a type of savings deposit with no deposit term [Link] can be
used for personal transfer,exchange,outward and inward remittance.

Athulya Nidhi

Athulya nidhi investment of Rs.100 or multiples of Rs.100will yield double

the amount of the investment plant for 5 years and one [Link] loan is
granted only subject to the interest rate .

Soubhagya Nidhi

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It is along term [Link] will be doubling after the [Link] customer

break the period ,they will get interest of normal fixed deposits.

Reccuring Deposit

Recurring deposit is fixed for a period of month of 12,24,45,84,132.A sum is

deposit made by a person who pays a monthly sum of one rupeeor an exact
multiple or fraction thereof in to the bank.

Group Deposit and Credit Scheme

The approval of joint registrar the society has to implement the group deposit
and credit [Link] has the power to conduct the scheme

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DEPOSIT AT GLANCE
(Table No:9)
Period Interest Senior Citizen

15 Days to 45 Days 6% 6.50%

46 Days to 90 Days 6.50% 7%

91 Days to179 Days 7.25% 7.75%

180 Days to 364 Days 7.50% 8%

12 Months to 23 Months 8.25% 8.75%

24 months to 60 M0nths 8% 8.50%

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FIXED DEPOSIT
A fixed deposit is a tenured deposit account provided by banks or non bank
Financial institutions which provides investors a higher rate of interst than a
regular savings account,until the given maturity date.
(Table NO.10)
TABLE SHOWING FIXED DEPOSIT
Year Fixed Deposit Increase/Decrease Percentage
2017-2018 1036926587
2018-2019 1132536116 95609529 9.22
2019-2020 1232176157 99640041 8.79
2020-2021 1269833219 37657062 3.05
2021-2022 1259900139 -9933080 0.78
(Base Year 2017-2018)
Graph No:8
GRAPHICAL REPRESENTATION SHOWING FIXED DEPOSIT

Fixed Deposit
1400000000

1200000000

1000000000

800000000

600000000

400000000

200000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Fixed Deposit

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Interpretation: The graph showing fixed deposit. There is fluctuation in a

graph.

SAVINGS DEPOSIT
A savings account is a type of deposit account provided by banks and
financial [Link] allows individuals to deposit and store their money
while earning a certain rate of interest on the deposited amount.
(Table No:11)
TABLE SHOWING SAVINGS DEPOSIT
Year Saving Deposits Increase/ Percentage
decrease
2017-2018 91715358
2018-2019 97691689 5976331 6.51
2019-2020 100230487.20 2538797.64 2.59
2020-2021 111056076.52 10825589.32 10.80
2021-2022 112289444.97 1233368.45 1.110
(Base Year 2017-2018)
Graph No:9
GRAPHICAL NREPRESENTATION SHOWING SAVINGS DEPOSIT

Interpretation: The graph showing Increasing Trend

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Savings Deposit
120000000

100000000

80000000

60000000

40000000

20000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Savings Deposit

DAILY DEPOSIT
Daily Deposits means the total number of real money deposits possible in one
day on the platform.A small savings scheme introduced to encourage thrift
habit in people.

(Table No:12)
TABLE SHOWING DAILY DEPOSIT
Year Daily Deposit Increase/ Percentage
Decrease
2017-2018 9443680
2018-2019 9150342 -193338 2.06
2019-2020 7717885 -1432457 15.65
2020-2021 5787325 -1930560 25.01
2021-2022 8434155 2646830 45.73
(Base Year 2017-2018)
Graph NO:10
GRAPHICAL REPRESENTATION SHOWING DAILY DEPOSIT

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Daily deposit
10000000
9000000
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Daily deposit

Interpretation: The graph of daily deposit shows increasing trend.

WEEKLY DEPOSIT
Weekly deposit means the maximum amount of funds that you may deposit
in any seven day period as determined by BCLC and subject to change
without notice.
(Table No:13)
TABLE SHOWING WEEKLY DEPOSIT
Year Weekly Deposit Increase/Decrease Percentage
2017-2018 2901050
2018-2019 2177025 -724025 24.95
2019-2020 1835175 -341850 15.70
2020-2021 1106120 -729055 39.72
2021-2022 1070510 -35610 3.21
(Base Year 2017-2018)

Graph No:11
GRAPHICAL REPRESENTATION SHOWING WEEKLY DEPOSIT

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A STUDY ON DEPOTS OF VIYYUR SERVICE CO-OPERATIVE BANK LTD. NO.177

weekly deposit
10000000
9000000
8000000
7000000
6000000
5000000
4000000
3000000
2000000
1000000
0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

weekly deposit

Interpretation: The graph of weekly deposit shows decreasing trend.

RECCURING DEPOSIT
A Reccuring Deposit account is an investment tool that allows investors to
make regular monthly ivestments and save money over a specified
[Link] can choose the tenure of the deposit and the monthly
payment amount based on their convenience.
(Table No:14)
TABLE SHOWING STAFFS RECCURING DEPOSIT
Year Recurring Deposit Increase/Decrease Percentage
2017-2018 284042
2018-2019 129942 -154100 54.25
2019-2020 649542 519600 399.8
2020-2021 1169142 519600 79.99
2021-2022 1595142 426000 36.43
(Base Year 2017-2018)
Graph No:12
GRAPHICAL REPRESENTATION SHOWING STAFF RECURRING DEPOSIT

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Staff Reccuring Deposit

3000000

2500000

2000000

1500000

1000000

500000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Staff Reccuring Deposit

Interpretation: The graph of Staff Recurring Deposit shows increasing

trend.
ATHULYA NIDHI DEPOSIT

Athulya nidhi investment of Rs.100 or multiples of Rs.100will yield double

the amount of the investment plant for 5 years and one [Link] loan is
granted only subject to the interest rate .
(Table No:15)
TABLE SHOWING ATHULYA NIDHI DEPOSIT
Year Athulya Nidhi Increase/Decrease Percentage
2017-2018 38053
2018-2019 38053 0 0
2019-2020 31500 -6553 17.22
2020-2021 16500 -15000 47.61
2021-2022 16500 0 0
(Base Year 2017-2018)
Graph No:13
GRAPHICAL REPRESENTATION SHOWING ATHULYA NIDHI DEPOSIT

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Athulya Nidhi
40000

35000

30000

25000

20000

15000

10000

5000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Athulya Nidhi

Interpretation: The graph of Athulya nidhi deposit showing decreasing

trend.
SOUBHAGYA NIDHI DEPOSIT
It is along term [Link] will be doubling after the [Link] customer
break the period ,they will get interest of normal fixed deposits.
(Table No:16)
TABLE SHOWING SOUBHAGYA NIDHI DEPOSIT
Year Soubhagyanidhi Increase/ Percentage
Decrease
2017-2018 2464400
2018-2019 2413050 -51350 2.08
2019-2020 2481900 68850 2.85
2020-2021 3134950 653050 26.31
2021-2022 2344800 -790150 25.21
(Base Year 2017-2018)
Graph No:14
GRAPHICAL REPRESENTATION SHOWING SOUBAGHYA NIDHI

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A STUDY ON DEPOTS OF VIYYUR SERVICE CO-OPERATIVE BANK LTD. NO.177

Soubhagya nidhi
3500000

3000000

2500000

2000000

1500000

1000000

500000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Soubhagya nidhi

Interpretation: The graph of Soubhagya Nidhi shows fluctuation.

TOTAL DEPOSITS
This include all type of deoposits.
Total deposit=Sum of all type of deposits by customers

(Table No:17)
TABLE SHOWING TOTAL DEPOSITS
Year Total deposits Increase/ Percentage
Decrease
2017-2018 1143673170
2018-2019 1244136217.56 100463047 8.78
2019-2020 1345122646.20 100986428.64 8.11
2020-2021 1392103332.52 46980686.32 3.49
2021-2022 1385650690.97 -6452641.55 -0.46
(Base Year 2017-2018)
Graph No:15
GRAPHICAL REPRESENTATION SHOWING TOTAL DEPOSITS

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Total deposits
1600000000

1400000000

1200000000

1000000000

800000000

600000000

400000000

200000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Total deposits

Interpretation: The graph of total deposits showing fluctuation.

TOTAL LOANS
This include all type of loans.
Total Loan = sum of all type loans
(Table No:18)
TABLE SHOWING TOTAL LOAN
Year Total Loan Increase/ Percentage
Decrease
2017-2018 648296265
2018-2019 743319304 95023039 14.65
2019-2020 822374660 79055356 10.63
2020-2021 818085207 -4289453 0.52
2021-2022 808047063 -9638144 1.17
(Base Year 2017-2018)
Graph No.16
GRAPHICAL REPRESENTATION OF TOTAL LOAN

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Total Loan
900000000

800000000

700000000

600000000

500000000

400000000

300000000

200000000

100000000

0
2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Interpretation:The graph showing total loan. Total loan position shows

fluctuation.

(Table No:19)
CREDIT DEPOSIT RATIO
Year Total Loan Total Deposit C D Ratio
2017-2018 648296265 1143673170 56.68
2018-2019 743319304 1244136217 59.74
2019-2020 822374660 1345122646 61.13
2020-2021 818085207 1392103332 58.76
2021-2022 808047063 1385650690 58.31
(Base Year 2017-2018)
Graph No.17
GRAPHICAL REPRESENTATION SHOWING C D RATIO

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C D Ratio

2017-2018 2018-2019 2019-2020 2020-2021 2021-2022

Interpretation:Thegraphical representation of CD Ratio shows fluctuations.

OTHER ACTIVITIES OF THE BANK

 Neethi Store
 Consumer Store
 Library
 Sevana Pension Distribution
 Onam Chanda
 Muttathe Mulla(Kudumbasree Loan)
 Medical Treatment Fund
 Cash Awards For Students

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WORK EXPERIENCE

Day 1:I read the byelaw of the society of Viyyur Service Co-operative Bank
and Noted down various details.

Day 2:We examined the audit report of the society for the data which are
required for the project work.

Day 3:Collected loan and deposit interest for the preparation of project work.

Day 4:We have interacted with senior clerk of the bank which helps in
getting more information about the bank and clear our doubts.

Day 5:Studied about the Day Book and how Day Book working in a banking
system.

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Day 6:Studied about the Voucher,Challan and Bonds.

Day 7:Studied about the loan and deposit system of the bank

Day 8:Several employees showing the cheque book,passbook and loan

Application form

Day 9:Interacted with secretary for the information of minutes book

Day 10: Preparation of the project report.

FINDINGS

 Membership position of the bank shows an increasing trend

 Paid up share capital shows increasing trend
 Gold loan shows fluctuation
 Management and staffs of the bank working hard for tha
achievement of banks goals
 Total deposits are fluctuation in trend
 Overdue position of the bank are showing increasing trend.
 Infrastructure facilities of the bankare good.
 Net profit of the bank shows a fluctuation trends.
 Working capital of the bank shows fluctuation trend.
 Reserve fund of the bank Shows increasing trend.

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 Investment of the bank shows in fluctuation trend.

 Total loan of the bank shows fluctuation trend.
 The bank promoting many other functions neethi store,Consumer
store,ATM service.

SUGGESTIONS

 Training to its employees for increasing the speed of service which will
help to increase the financial performance.
 Step should be taken for speedy recovery of NPA.
 It would be move convenient to customers of the bank provide ATM
Facility.
 Promote trainings for the students in the field of co-operation for their
experience knowledge.
 Members education programme are to be conducted to make aware
about the right and duties.
 The bank should concentrate for accepting student deposit. Because
they are the hope for future.

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CONCLUSION

My project work has been successfully completed in viyyur service co-

operative bank [Link] bank plays an important role in the
economic development of people in the area of operation.

The Analysis showed that the Total number of

members, paid up share capital, Overdue, Reserve fund, saving deposit, Daily
deposit, Staff recurring deposit are increasing trend. The weekly deposit,
Athulya Nidhi deposit are decreasing manner. The total loan and CD Ratio
are showing fluctuated. The working Capital, Net profit, Investment, Fixed
deposit, Soubhagya Nidhi deposit,Total deposit are fluctuating. The bank
should have to more concentrate on Athulya Nidhi deposit, Weekly deposit
and total loan. The bank uses the deposit by granting loans at low rate of
interest. So, more people are attracted to loan. The project help to know the
functions of the bank. The main source of fund of the society is Share capital,

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Deposits, Borrowings. The society should focus more to reduce the overdue
to a great extend. A good relationship between the empolyees and managing
committee plays vital role in the development of the bank. After the complete
analysis of this study, I reached in a conclusion that the bank achieve high
profit.

REFERENCE

 Byelaw of Viyyur Service Co-operative Bank Ltd No:177

 Audit Report of Viyyur Service Co-operative Bank Ltd No:177
 Annual Report of Viyyur Service Co-operative bank Ltd No:177

BIBLIOGRAPHY

 [Link]
 [Link]
 [Link]

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STATE CO-OPERATIVE UNION , THIRUVANATHAPURAM 41