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PUNE ZILA MADHYAV AR TI SAHKARI BANK Credit Professional

16- Credit Professionals - Mobile

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PUNE ZILA MADHYAVARTISAHKARI BANK

Credit Professional

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Introduction to the Bank

No. of employees ² 8

Head of the Bank ² A M Gurav (Bank Manager)

Services available ² 

Savings ² 5000 accounts Current Accounts ² 100 accounts

Loan Facilities - a total of 42 loans issued by the bank Madhyam Muddat (for personal, tractor, pipeline)² 11.5 %

Pick Loan ² 6%

Demand Draft facility Services no available ² Lockers DMAT accounts

All the transactions are currently being computerised.

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A M Gurav ² Bank Manager

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Madhyam Muddat

Total quantity ² Rs. 5 Lakh

Dispensed yearly for 5 years ( 1 lakh per year)

Repayment at 11.5%

Start repayment after 5 years

If not able to repay

Seal the mortgaged property and keep the paperswith the bank

The loan is primarily used for

Tractors , Cars, Jeep, Farm House, Pipelines etc

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Pick Loan

For crops

Tomato ² Rs 18,000 for 1 year

Onion ² Rs 16,000 for 1 year

Sugarcane ² Rs 25,000 for 1 year

At 6 % rate of interest (simple interest)

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Loan chart

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Insurance Schemes

TATA AIG offers insurance scheme for cattle

Reliance was the dominant insurance provider for

the village a year ago

Currently TATA AIG are the dominant players

The others were Bajaj Alliance

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Cattle Insurance Scheme

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Sahakari Society

This society is a co-operative society which lends moneyto a group of farmers for any/all farming activities

They source their funds from the local bank and keep a3% margin for their services

The relationship of the Sahakari society with thevillagers is stronger and more fruitful than the bank.

The villagers put more trust in the Sahakari societybecause they get to skip the paperwork involved in

acquiring a loan The process of repayment is smoother and more

responsible.

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Communication methods

The bank uses the gram adhikari of the panchayat

to inform about the new schemes and procedures of

the bank

The posters are put up in and around the bank in

the local language

There are insurance agents which help communicate

the messages and act as a facilitator The Gram Vikas Sahakari also plays a major role in

the communication channel

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How does the bank look«!

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VILLAGE - HAAT

Segment - Telecom

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Village branding options/exposure

points

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TELECOM SECTOR

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Observations

Good Reach ² Most ofthe people with Mobiles

Good Availability ² In a

Diameter of 700 meters ² 6 stores

Maximum visibility :Airtel

All connections availableapart from Uninor

Market Leader : IDEA

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Food for thought

This store ² Doesn·t keepAirtel coupons at all.

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Even though Airtel wins thevisibility ² Idea is the king.