“Agro bankingIn

JKB Ltd.”

Dedicated to Mummy & Papa

Who have remained inspirations for me? Throughout my life.

INTRODUCTION TO TOPIC• . From the present

population of India almost 70% lives in Villages and depends mainly on agriculture that’s why India is known as agricultural country. From past many years the population is increasing tremendously that have forces the agricultural people to gets more from their land

• They started to use pesticides, fertilizers etc for extra growth. This has made people to spend more money on agriculture.

The banks help agriculture in many ways. One way of helping is by providing finance (Loans).

ELIGIBILITY.a. Farmers having good track record of repayment for the last two years.b. Farmers who have closed their loan account without default and not our current borrowers.

d. Farmers who are maintaining deposits with the Bank

1.SBT KISAN GOLD CARD SCHEME.•KISAN CREDIT CARD SCHEME

. •SCHEME FOR FINANCING FARMERS FOR PURCHASE OF LAND FOR AGRICULTURAL PURPOSES •SCHEME FOR CULTIVATION OF MEDICINAL PLANTS .•AGRI. LOAN TO NON-RESIDENT INDIANS

OBJECTIVES OF THE STUDY

1.The study is to know to what extend the bank is capable of providing the funds to people and how much more fund it needs to supply it to the people.2. This study also reveals the real extend to which the customers of the bank are satisfied with its functioning and its products.

4 .So the main aim of the study is to check how much people are related to bank for carrying out their routine business. How much they spend and how much they save from their business, how they feel after getting related to JK Bank Ltd. And what they feel about the services of JK Bank. 5 .The study also reveals the how much JK Bank Ltd. is capable of making its customers satisfy.

INTRODUCTIONTO

COMPANY

COMPANY PROFLE:

The Jammu and Kashmir Bank Limited

Founded 1938

Headquarters

Number of locations > 603 branches/offices ATM = 339

Area served Mostly J & K

Industry Financial, Commercial banks

Revenue 935.72million doller (2011-202)

Employees Base 1,000-10,000

Website http://www.jkbank.net/

JKBANK’SAGRO FINANCIAL

PRODUCTS

JK BANK ZAFRAN FINANCE SCHEME

APPLE ADVANCE SCHEME

ROSHNI FINANCING SCHEME

GIRI FINANCE SCHEME

RESEARCHMETHODOLOGY

Data Source:-

Primary Data:-We took primary data by

interview method which covered the answering of questionnaires from people. We collected the data first hand for the first time.

Secondary Data:-We consulted some books and previous project reports for some topic like Introduction to the topic and also referred some websites. We also took information from various people who are in close touch with the consumers

Survey:-The type of survey undertaken was that of sample type keeping in consideration the time constraint and paraphernalia, besides the viability of census survey, the sample survey thus being taken to the right path to reach the desired destination was carefully planed to convert of the operation by using selected samples

Sampling:-I used convenient sampling for

collection of the data, where the sample is neither selected by judgment nor by chance but by convenience. This method is also known as Chung method.

DATAANALYSES

Q1) How much agricultural land do you have?•0 - 20 kanals.•20 – 50 kanals.•50 - 100 kanals.•100 above.

Q2) To which business you are associated?•Fruit grower.•Carpets.•Shawl weaving.•Khatamband art.•Others.

What is your annual turnover?•0-5 lac.•5-10 lac.•10-20 lac.•Above 20 lac.

Q7) How much financial assistance you got from the bank?•0-1 lac•1-2 lac•2-3 lac•Above 3 lac

Q9) Is the interest rate suitable regarding your profitability of business?•Yes•No

Q11) What is your opinion regarding the repayment period of the loan amount?•It is good.•It is very short.•Extension is required.

Q16) Who recommended you the products of JK Bank?•Bank executives•JK Bank Dairy program on local radio.•Hoardings.•Other means.

Q17) Are you satisfied with the jk bank in general?•Yes•No

FINDINGS:

• In this area most of the people are related with the businesses which are directly or indirectly related to agriculture.

Maximum people are not satisfied with the interest rate charged by the bank for its agriculture loans. They think that they can further be lowered. The people in this area are small business man. They will not be able to pay such high interest rates

The people have a mixed reaction on the pay back period of the loan. Some say its good where as some say it’s short. It depends on the mind of people and their business

•People here in kupwara still need about 1-2 lac more for their business. They need this money to provide good facilities for their business like pesticides, chemicals, fertilizers etc.

•From the survey it is clear that the majority of people whom we have surveyed are satisfied with the JK bank. These people are satisfied with its service and its products.

CONCLUSION:The JK bank is known for its products and facilities mostly agricultural people. The bank has to concentrate on the fruit growers who face very hard ship in their business. These people are the back bone of theJammu and Kashmir’s economy.

THANK YOU

Presented by: Altaf Hussain Shah