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  • 1. A STUDY ON RATIO ANALYSIS(Conducted on Behalf of the Varachha Co-operative Bank Limited, Surat) [From 15th January 2004 to 15th March 2004] A Project Report Submitted In Partial Fulfillment Of The Requirements For The Award Of The Degree Of BACHELOR OF BUSINESS ADMINISTRATION TO SOUTH GUJRAT UNIVERSITY, SURAT Submitted by: PATEL RENUKA P. T.Y.B.B.A. (Sem-VI) Roll No.89 Under the guidance of PROF. PARITA BENGALI Submitted to: THE CO-ORDINATOR PROF.V.B.SHAH INSTITUTE OF MANAGEMENT &R.V.PATEL COLLAGE OF COMMERCE AMROLI (SURAT) MARCH2004
  • 2. DECLARATION I, Patel Renuka P., here by declare that the project reportentitled “RATIO ANALYSIS” under the guidance of Prof. Parita Bengalisubmitted in partial fulfillment of the requirements for the award of thedegree of Bachelor Of Business Administration to South GujaratUniversity, Surat is my original work-research study carried out during 15thJanuary, 2004 to 15th March, 2004 and other degree / diploma/ fellowshipother similar title or prizes to any other institution/ organization or universityby any other person. SignaturePlace:Date: Renuka. P.Patel T.Y.B.B.A (Sem-VI) Roll No: 89 PROF.V.B.SHAH INSTITUTE OF MANAGEMENT & R.V.PATEL COLLAGE OF COMMERCE, AMROLI.
  • 3. PROF.V.B.SHAH INSTITUTE OF MANAGEMENT & R.V.PATEL C0LLEGE OF COMMERCE, AMROLI. CERTIFICATE OF THE FACULTY GUIDE This is to certify that the project Report, entitled, ‘A STUDYON RATIO ANALAYSIS OF THE VARACHHA CO-OPERATIVEBANK LTD, SURAT’ Submitted in partial fulfillment of the requirementsfor the award of the degree of BACHELOR OF BUSINESSADMINISTRATION TO SOUTH GUJARAT UNIVERSITY, SURAT isa record of bonfire research work carried out by Patel Renuka. P under mySupervision and guidance.Signature SignatureProf. Parita Bengali Prof. M. L. Abale(Project Guide) (Co-ordinator)
  • 4. EXECUTIVE SUMMARY The bank is showing high very progress in the area of ratio analysis soit is a golden opportunity for me to do project report on this topic. This report deals with the progressive aspect of bank i.e. Ratioanalysis. Ratio analysis includes various types of ratio like credit deposit ratio,profit on loan ratio, solvency ratio, profitability ratio, activity ratio,administrative to working capital ratio etc. I have tried to cover all the details of ratio analysis using simple andeasy language. At last, I include the suggestions for the fulfillment of the project.
  • 5. ACKNOWLEDGEMENT I undersigned Patel Renuka P. have taken very sincerely and heartilyan opportunity to express my felling of gratitude towards the company i.e.the Varachha co-operative Bank and Particular. I extend our sincere thanks to Mr.Narendrabhai Kukadiya (Director),P.B.Dhakecha (chairman), Mr.K.R.Bhalala (Manging Director), A.D.Bhalani(General Manager) of the varachha Co-operation Bank. For their estimatedCo-operation and Contribution in preparing project report, which is part ofmy B.B.A, programmed. It was a great pleasure for me to take training in the Varachha Co-operative Bank, I am thankful to Mr. B. C. Sorathia (Head Office manager)and Navinchandra R. Shah and his staff externally support me in to gettinginformation requiring financial data and various aspects of financing functionof the Varachha co-operative. I am highly in debited and grateful to hon.director/Co-ordinator ofV.B.Shah Institute of Management and R.V.Patel Collage of Commerce forarranging exposure to the industry. It gives me an immense pleasure to convey my profound gratitude &sincere thanks to Prof. Parita Bengali and Prof. M.L. Abale. For AuthenticInterest providing as valuable guidance through the course of my projectreport. Patel Renuka P.
  • 6. CONTENTSSr No. Particular Page No. 1 INTRODUCTION OF BANK 1 –7 2 INTRODUCTION OF VARACHHA CO-OPERATIVE 8 – 20 BANK LTD. 3 RATIO ANALYSIS 21 – 56 4 FINDINGS & SUGGESTIONS 57 -58  BIBLIOGRAPHY 59  ANNEXURE 60-61