This document is a project report submitted by Yash Mehta to the Department of Commerce and Management at KSKV Kachchh University. The report analyzes the performance of cash credit and overdraft loans provided by KDCC Bank. KDCC Bank is the District Central Co-operative Bank for Kachchh district, established in 1958. It has 18 branches and provides various loan and deposit products to farmers and businesses. The report includes sections on the research methodology, data analysis and interpretation, findings, and suggestions.

1. A PROJECT REPORT
ON
PERFORMANCE ANALYSIS OF CASH CREDIT AND OVERDRAFT
LOANS OF KDCC BANK.
SUBMITTED TO
DEPRATMENT OF COMMERCE AND MANAGEMENT
KSKV KACHCHH UNIVERSITY
FOR THE PARTIAL FULFILLMENT OF THE
REQUIREMENTS FOR THE DEGREE OF MASTERS OF BUSINESS
ADMINISTRATION
SUBMITTED BY
YASH MEHTA
MBA SEM-3 (REG)
UNDER THE GUIDANCE OF
DR. VIJAY VYAS
DEPARTMENT OF COMMERCE AND MANAGEMENT
KSKV KACHCHH UNIVERSITY
BHUJ – KACHCH

2. DECLARATION
I, hereby, declare that the PROJECT titled “PERFORMANCE ANALYSIS
OF CASH CREDIT AND OVERDRAFT LOANS OF KDCC BANK”
submitted in partial fulfillment for the award of the degree of Master of
Business Administration is my original work and no degree or diploma has
been conferred on me before either by this University or by any other
university for this work.
DATE:
Name: YASH MEHTA
MBA SEM-3 (REG)

3. CERTIFICATE
This is to certify that the project title “PERFORMANCE ANALYSIS
OF CASH CREDIT AND OVERDRAFT LOANS OF KDCC
BANK” submitted by YASH MEHTAin partial fulfillment for the award
of M.B.A. degree is based on original research work carried out by
her/him under my guidance and supervision and to the best of my
knowledge and beliefs. It has not been submitted for the award of any
other degree or diploma.
Date:
DR. VIJAY VYAS
Department Of Commerce and Management,
KSKV Kachchh University
Bhuj-Kachchh

4. ACKNOWLEDEGEMENT
First of all I am thankful to Mr. DEVRAJ GADHVI for granting me
the permission todo summer training in the KDCC Bank. Secondly, I am
thankful to MEETSIR to giving me all the required information.
I am very thankful to our guide DR. VIJAY VYAS who helped and
guided me in the preparation of the project report.

5. PREFACE
As a part of Master of business Administration curriculum and in order to
gain particular knowledge in the field of management, I am required to
make report on my management related topic.
The basic objective behind doing this project is to gain the knowledge
about the management and their implementation through various
strategies of finance. Our project report onPERFORMANCE
ANALYSIS OF CASH CREDIT AND OVERDRAFTLOANS OF
KDCC BANK.

6. INDEX
NO PARTICULAR PAGE
NO
1. INTRODUCTION
1.1 INTRODUCTION OF TOPIC 01
1.2 INTRODUCTION OF KDCC BANK 03
1.3 MISSION AND VISSION OF KDCCB 07
1.4 POLICY OF LOAN 09
1.5 OVERDRAFT LOAN 13
1.6 CREDIT CARD LOAN 14
2. RESEARCH METHODOLOGY
2.1 RESEARCH METHODOLOGY 17
2.2 RESEARCH OBJECTIVE 17
2.3 RESEARCH LIMITATION 18
3. DATA ANALYSIS & INTERPRETATION
3.1 ANALYSIS AND INTERPRETATION OF DATA 19
4 FINDING AND SUGGESTION
4.1 FINDING 24
4.2 SUGGESTION 24
5 BIBLIOGRAPHY

8. 1
CHAPTER-1
INTRODUCTION

9. 2
1.1 INTRODUCTIONOF TOPIC
A bank is a financial institution licensed by a government. Its primary activities include
borrowing and lending money. Many other financial activities were allowed over time. For
example banks are important players in financial markets and offer financial services such as
investment funds. In some countries such as Germany, banks have historically owned major
stakes in industrial corporations while in other countries such as the United States banks are
prohibited from owning non-financial companies. In Japan, banks are usually the nexus of a
cross-shareholding entity known as the zaibatsu. In France, banc assurance is prevalent, as most
banks offer insurance services (and now real estate services) to their clients.
History of banking
The History of Banking begins with the first prototype banks of merchants of the ancient world,
which made grain loans to farmers and traders who carried goods between cities. This began
around 2000 BC in Assyria and Babylonia. Later, in ancient Greece and during the Roman
Empire, lenders based in temples made loans and added two important innovations: they
accepted deposits and changed money. Archaeology from this period in ancient China and India,
also shows evidence of money lending activity.
Banking, in the modern sense of the word, can be traced to medieval and early Renaissance Italy,
to the rich cities in the north such as Florence, Venice and Genoa. The Bardi and Peruzzi
families dominated banking in 14th century Florence, establishing branches in many other parts
of Europe. Perhaps the most famous Italian bank was the Medici bank, established by Giovanni
Medici in 1397.
The introduction to the marketing concept to banking sectors can be traced back to American
Banking Association Conference of 1958. Banks marketing can be defined as the part of
management activity, which seems to direct the flow of banking services profitability to the
customers. The marketing concept basically requires that there should be thorough understanding

10. 3
of customer need and to learn about market it operates in. Further the market is segmented so as
to understand the requirement of the customer at a profit to the banks.
DEFINITION OF BANK
The Oxford dictionary defines the Bank as “An establishment for the custody of money,
which it pays out, on a customer’s order.”
INDIAN BANKING SYSTEM
"The success of the economic reforms is therefore all to see and the driving force of these
reforms is the banking sector".
P.ChidamBaram
Banking system occupies an important place a nation's economy. A banking institution is
indispensable in a modern society. In plays a pivotal role in the economic development of a
country.
Thus, economic development of a country depends upon success of banking industry and
success of banking Industry is determined to a large extent by now well then needs of its
customers have been understood and satisfied.
Reserve Bank of India
The Banking system is an integral sub-system of the financial system. It represents an important
channel of collecting small savings from the households and lending it to the corporate sector.
The Indian banking system has The Reserve Bank of India (RBI) as the apex body from all
matters relating to the banking system. It is the “Central Bank” of India and act as the banker to
all other banks.

11. 4
Functions of RBI:
• Currency issuing authority
• Banker to the government.
• Banker to other Bank.
• Framing of monetary policy.
• Exchange control.
• Custodian to foreign exchange and gold reserves.
• Development activities.
• Research and development in the banking sector.
1.2 Introduction of kachchh district central co-operative bank.
DISTRICT CENTRAL CO-OPERATIVE BANKS:
The primary Agricultural Co-operative Credit Societies in a compact area get federated
themselves into a central society, which is called a Central Bank of a Banking Union.
A District Co-operative Central Bank (DCCB) is a cooperative bank operating at the district
level in various parts of India. It was established to provide banking to the rural hinterland for the
agricultural sector with the branches primarily established in rural and semi-urban areas.
A Co-operative Banks is one which performs the functions of borrowing, lending, agency and
general utility on a cooperative basis. A co-operative bank is also defined as one which must
have co-operative character and must deal in credit which satisfies all the requirements of an
ideal credit

12. 5
History of DCCB banks:
When the Co-operative Societies Act was passed in 1904 there was no provision for the
formulation of central societies or central banks. The sponsors of the co-operative movement
expected 51 that the rural credit societies would be able to attract substantial deposits from the
bankers and well-to-do sections of the village community and their savings would be available to
meet the needs of the needy in the villages. It was also contemplated that any deficiency in the
funds would be made good by loans from the Government.
The first central bank was registered in Uttar Pradesh in 1906 as a primary society. But the first
perfect central Bank in the modern sense saw the light of the day in the former Central Provinces
and Berar. In Rajasthan, the first central co-operative bank was started in 1910 at Ajmer. The
years from 1906 to 1918 may be called the period of origin of the co-operative banks in various
parts of the country.
In 1969, the total number of central co-operative Banks stood at 342 as against 347 in 1967. The
Central Co-operative Banks continued their efforts to expand banking business. As a result, the
total number of banks increased to 344 at the end of June 1976 and remained the same till the
end of June 1978.
According to the Reserve Bank of India Annual Report (1987-82), the total number of Central
Co-operative Banks as on June 1982 stood at 346 as compared to 347 banks as on June 1981.
Since then, during the plan period the policy of reorganization and amalgamation has been
followed, as a result of which the number of District Central Co-operative Banks has been
reduced and they stood at 340 during 1983-84.
The DCCBs were established to finance the primary societies and to act as their balancing centre.
They do stand at the intermediate stage in the structure of the co-operative movement in the

13. 6
country. They form a useful link between, the primary societies at the base and the state co-
operative banks at the top.
The objectives of the DCCB
i) To finance the primary societies for agricultural purposes.
ii) To attract local deposits.
iii) To develop and extend banking facilities in rural areas and make the people banking minded.
iv) To provide a safe place for investing the reserves of the primary societies.
v) To develop the co-operative movement in the district and act as a friend, philosopher and
guide and,
vi) Tosupervise the working and management of the affiliated societies
MEMBERSHIP
 Open to all individual farmers.
 Primary Credit Society
 Marketing cooperative Society
 Consumer Stores
 Farming Societies
Board of the DCCB
 The Board of the DCCB comprise elected Chairmen of PACS, representative of the State
Government and the State Cooperative Bank.
 The board meets periodically to review the performance of the bank and provide policy.
 The Government is an important stakeholder as the DCCBs functions under the administrative
control of the registrar of cooperative societies

14. 7
LIST OF DISTRICT CENTRAL CO-OPERATIVE BANKS IN GUJARAT
 AHMADABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 AMRELI JILLA MADHYASTH SAHAKARI BANK MARYADIT
 BANASKANTHA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 BARODA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 BHAVANAGAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 BROACH DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 JAMNAGAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 JUNAGADH DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 KAIRA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 KODINAR TALUKA CO-OPERATIVE BANKING UNION LTD.
 MEHSANA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 PANCHMAHALS DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 SABARKANTHA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 SHRI RAJKOT DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 SURAT DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 SURENDRANAGAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 VALSAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
 VALSAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.

15. 8
Kachchh District Central Co-operative Bank Ltd.
Branch Code-2501,
Branch Name- Head Office, Bhuj,
Branch Address-Vijay Nagar Char Rasta, Hospital Road,
Bhuj – Kachchh,
Telephoneno.-02832-223626, 02832-257626.
Founded year: 1958
Email: kdccho@yahoo.com
1.3 MISSION AND VISION OF KDCCB
VISION
Vision is to become first in customer satisfaction.KDCC is committed to work towards building
a strong and viable co-operative banking and credit system across the Country, to strive for level
playing field for the institutions, to be an effective voice of the sector, to work towards
eliminating visible weaknesses and infirmities, to provide the training and other support and to
knit the institutions into a cohesive unit for them to benefit from strength of being in co-operative
system.
The adoption of all modern technologies for Better, Fast and Squired service will be priority of
the bank in future. The environment of all the branches will match an international standard with
easy operation for our valuable customer
MISSION
They will consistently exceed customer expectation by providing value-adding solutions through
professional and highly motivated people, delivering excellent financial performance in all
markets where we operate.

16. 9
To be the top most cooperative bank in the country providing able leadership to the cooperative
structure for achieving a sustained growth and upliftment of the small and marginal farmers and
rural masses implementing the objectives of financial inclusion.
Kachchh district central co-operative bank
KDCC bank working for last 60 years in kachchh. KDCC Bank has 18 branches and head office
in bhuj.KDCC BANK provide service of current and fixed account.They provide more interest
on fixed deposit and double deposit. They provide more interest (0.5%) to the senior citizen.
They provide services of NEFT and RTGS.They provide service of ATM.They provide services
of debit card and rupaykishan credit card. They provide loans to business, government, small
business, and farmers.
BORD OF DIRACTORS OF KDCC BANK:
01 SHRI. DEVRAJBHAI K. GADH VICHAIRMAN
02 SHRI. JAYSUKHLAL H. PATEL VICE-CHAIRMAN
03 SHRI. INDRAJITSINH J. JADEJAMANAGING DIRECTOR
04 SHRI. VALAMJIBHAI R. HUMBAL DIRECTOR
05 SHRI. VERSALJI M. TUNVAR DIRECTOR
06 SHRI. NARENDRASINH A. JADEJA DIRECTOR
07 SHRI. BHAILALBHAI M. PATEL DIRECTOR
08 SHRI. HARIBHAI H. JATIYA DIRECTOR
09 SHRI. GHANSHYAMBHAI G. PUJARA DIRECTOR
10 SHRI. JANAKSINH B. JADEJA DIRECTOR
11 SHRI. ASHOKBHAI K. THARU DIRECTOR
12 SHRI. MANUBHA K. JADEJA DIRECTOR
13 SHRI. JAYANTIBHAI N. GOL DIRECTOR

17. 10
14 SHRI. DISTRICT REGISTRAR GOVERNMENT REPRESENTATIVE DIRECTOR
15 SHRI. MAVJIBHAI N. GOL DIRECTOR
16 SHRI. ANIRUDHBHAI B. DAVE DIRECTOR
17 SHRI. MAVJIBHAI B. SORATHIYA DIRECTOR
1.4 POLICY OF LOAN:
Loans are generally, advanced to primary credit societies for financing agriculture such as
cultivation expenses, purchase of seeds, manure and other requirements for
seasonal agricultural operations for a short-term (say for 12 months) and reclamation, building of
cattle sheds, digging and repairing of wells, purchase of cattle and carts for medium term
(ranging from 1 to 3 years ) ; for 62 purchase and
Installations of pumps and oil engines for a medium term (for periods not exceeding 5 years and
for refund of deposits (not exceeding one years).
Loans are granted on proper security such as landed assets, house mortgage, cattle, agricultural
produce, gold, or ornaments, fixed deposit receipts, life insurance policies, Government
promissory notes and promotes executed by the borrowing societies.
At the society level, the loans are secured by personal security for solvent members besides
mortgage of lands.
The rate of interest on loans and advances charged by these banks on the advances in respect of
funds obtained by borrowing from the apex bank varies between 1 to 3 percent.

18. 11
Loans and Advances
 Short Term Production Loans
Short term production loans are extended for raising crops. These are routed through the Primary
Agricultural Credit Societies (PACS).The Government of India has introduced an interest
subvention scheme whereby loans up-to Rs. 3 lakhs. Extended to farmers at an interest rate of
7% and Government of India provides an
Interest subsidy of 2% to the banks.
 Term loans
The cooperatives also offer term loans to farmers. These can be delivered either through the
PACs or directly to the farmers by the DCCBs.For such financing, the DCCBs can obtain
refinance from higher lending agencies like NABARD, who channelize these funds through the
State Cooperative Banks. Term loans are extended for a wide range of purposes, from excavation
of wells, purchase of pump sets to horticulture, animal husbandry and even rural transport like
tractors and other farm equi.
 Vehicle, housing and credit loans
 Interest rate for vehicle loan is 9.25% for organization and for customers 9.50%.
 Interest rate for housing loan is 9.25% for organization and for customers 9.50%.
 Interest rate for clear credit loan is 12% for organization and for customers 13%.

19. 12
 Kisan Credit Card
Kisan Credit Card is an innovation brought about in the banking system to make short term
credit to farmers easy, convenient and flexible.
Following is the Check list of k.c.c loan at kDCC bank:

20. 13
The key features of the scheme are as follows:
 One time documentation.
 Single limit for whole year’s requirements.

21. 14
 Requirements for consumption credit are also taken into account.
 Any number of drawls and repayments are permitted.
 Automatic renewal if the account is regular.
 Additional features like personal accident insurance are provided at a small feel in collaboration
with insurance companies.
Table of loans provided by the KDCC bank:
NO Detail of loan Interest for PACS Interest for
customers
1 Short term K.C.C
loan
6% 7%
2 Mid term loan 11% 12%
3 Mortgage loan 11% 12%
4 Cash credit loan 12% 13%
5 Vehicle loan 9.25% 9.50%
6 Housing loan 9.25% 9.50%

22. 15
1.5What Is Overdraft Loan and How Does It Works?
Overdraft is a financial instrument to provide an extension of credit when the savings or current
account balance reaches zero. Most of the banks offer an overdraft limit depending on the
customer's existing relationship with the bank. Bank also charges the interest and fees on
exceeding the overdraft limit of the accounts.Generally, there are two types of overdrafts:
Secured overdrafts and unsecured overdrafts.Secured Overdrafts: Secured overdrafts are the
overdrafts that are taken against one’s saving or current account.Unsecured Overdrafts: The
overdrafts that are not taken against any collateral are known as unsecured overdrafts.
Overdraft Facility on Loan: The overdraft facility provided by various banks and financial
institutions can be utilized to reduce the amount of EMI on your loans. To use the overdraft
facility, borrowers can utilize the surplus funds in the savings or current account of the loan
taken. The surplus amount over EMI deposited in that account will be considered as a
prepayment of the loan and can reduce the outstanding principal amount. As the outstanding
amount of loan reduces, the amount of interest will be calculated on a lower amount, thus
reducing the interest outgo of the loan as well. The surplus amount added in the overdraft
account can be withdrawn at any time and the outstanding amount will be rebalanced
accordingly.
If you have overdraft protection at your bank, you can spend more than the actual amount in your
attached checking account. When you do, the check won't bounce. Instead, the bank will honor
it—advancing you the amount, in effect. In exchange for this service, you’ll pay the bank interest
on the amount by which you overdraw your account.
For instance, you have taken a home loan of Rs. 20 Lakhs for 15 years at an interest rate of
9.80%. The monthly installments that you need to pay every month would amount to Rs 21,248.
If you deposit the surplus amount of Rs. 30,000 in your account after 6 months then the principal
quotient in next EMI would be Rs. 15,800 as against Rs 16,045.

23. 16
Overdraft loan at kdcc bank:
Overdraft loan provided against fixed deposit of consumer. Loan provided 80% of fixed deposit.
Interest rate is based on fixed deposit plus two percent. Interest rate is between 4.75% to 7%.And
loan is also provided against kishan vikas patrak at 80% of deposit and their interest rate is 12%.
They provide half percent more interest rate to above 60 year peoples.
Following is the table that showing fixed term deposit at KDCC bank.
NO. Fixed term deposit Interest rate for
customers
Interest rate for
PACS
1 15 to 45 days 4.75% 4.75%
2 46 to 179 days 5.75% 6.00%
3 180 days to 1 year 6.50% 6.75%
4 1 to 2 year 7.00% 7.25%
5 2 to 3 year 7.00% 7.25%
6 3 and more year. 7.00% 7.25%
1.6What Is a Cash Credit Loan and How Does It Work?
A cash credit loan is a cash loan given to a company to meet its working capital requirements. It
is a short-term source of finance with a tenure of up to 12 months.
A cash credit loan allows a company to withdraw money from a bank account. You can
withdraw as many times, but up to its withdrawal limit.
The borrowing limit is decided on the basis of the applicant’s credit history or creditworthiness,
which is based on the company’s structure of the current assets and liability. Additionally, the
interest is only charged on the amount borrowed and not on the entire borrowing limit. Cash
credit loan is offered to companies to bridge the working capital gap.

24. 17
The cash credit can be used for the following:
Buying raw materials, stores, fuel, etc.
Paying labour wages, power charges, for storing goods until sold
Financing the sales
Cash credit loan is granted against security.
The cash credit loan is granted only when it is hypothecated against stock and assets of the
company.
The security can be in the form of the following:
Raw materials
Work-in-process
Finished goods
Stock-in-trade (including stores and spares).
Important Features of Cash Credit Loans
Borrowing Limit– Depends on applicant’s borrowing power or creditworthiness. Can withdraw
as many times up to the borrowing limit Interest. Interest is charged only on the amount
withdrawn and not on the entire borrowing limit Minimum commitment charge. The minimum
charge needs to be paid regardless of whether the loan amount is used or not Collateral security–
Secured against assets and stocks Credit tenure– Up to 12 months
Cash credit loan at kdcc bank:
Cash credit loan provided by kdcc bank at the rate of 12% to the PACS and to customers at the
rate of 13%.
Cash credit mostly provided to the PACS.
Document which required for cash credit loan:
 Prescribed form of applicant’s loan
 Last month of balance sheet and profit and loss sheet of PACS.
 Last year audited balance sheet of PACS.
 Outstanding list of members with permanent address.

25. 18
 PACS members list with their mobile numbers with address.
 Stock form (with branch manager verification showing last position).
 Member list.
Following is the Check list of cash credit loan at KDCC bank:

26. 19
CHAPTER-2
RESEARCH METHODOLOGY

27. 20
2.1 RESEARCH METHODOLOGY
Research is an art of scientific investigation. In other word research is a scientific and systematic
search for pertinent information on a specific topic. The logic behind taking research
methodology into consideration is that one can have knowledge about the method and procedure
adopted for achievement of objectives of the project. With the adoption of this others can
evaluate the results also. Its main aim is to keep the researchers on the right track. Primary data is
collected with the help of interaction with internal guide. Secondary data has been collected
through the various magazines and newspapers and by surfing on Internet.
Methods of Data Collection: Data was collected by using main two methods i.e. primary
data and secondary data
PRIMARY DATA: Primary data is collected with the help of interaction with internal guide.
SECONDARY DATA: Secondary data has been collected through the various magazines
and newspapers and by surfing on Internet.
JOURNALS AND PUBLICATIONS OF DIFFERENT BANKS:-We also take into
consideration the journals and publications issued by the bank at different times. we come to
know about the Branches, ATM, locations and other useful information.
2.2 RESERCH OBJECTIVE:
The major objectives of the research are as follows: -
 To study the impact of cash credit and overdraft loan of banks.
 To study the cash credit and overdraft loan interest rate of kdcc bank w.r.t. other banks.
 To analyze the profitability of the bank and to understand the connection relating profitability to
cash credit and overdraft loan.
 To study the credit growth of cash credit and overdraft loan Year on Year (YOY).
 To study the total advances given under cash credit and overdraft with comparing the total
advances of the bank.

28. 21
2.3 Research limitation:
 The study covered only geographical boundaries of Bhuj City.
 This research study was time bound and only certain criteria were taken up for study.
 There is not enough data provided on bank official web site
 Due to pandemic of COVID-19 we could not take personal interview of loan officer
 Reason for growth or degrowth cannot be known because of the banks internal matters

29. 22
CHAPTER-3
DATA ANALYSIS ANDINTERPRETATION

30. 23
3.1 ANALYSIS AND INTERPRETATION OF DATA
1. Credit growth of cash credit and overdraft loan year on year
Year Credit growth of cc/od loan
2015 395.72
2016 586.69
2017 804.44
2018 374.82
2019 150.06
0
100
200
300
400
500
600
700
800
900
2015 2016 2017 2018 2019
Credit growth of cc/od loan
Credit groth of cc/od loan

31. 24
2. Percentage of cash credit and overdraft loan to total loan?
Year Cc and od loan Total loan percentage
2015 395.72 10480.34 3.77%
2016 586.72 9737.65 6.03%
2017 804.44 12216.42 6.58%
2018 374.82 11565.88 3.24%
2019 150.06 11804.18 1.27%
0
1
2
3
4
5
6
7
2015 2016 2017 2018 2019
cc/od loan percentage
cc/od loan percentage

32. 25
3. Percentage of cc/od loan advances to total advances?
Year Cc/od
advances
Total
advances
Percentage
2015 41817 673822 6.21%
2016 52534 728721 7.20%
2017 38372 863324 4.44%
2018 31514 867357 3.63%
2019 30306 935132 3.24%
0
1
2
3
4
5
6
7
8
2015 2016 2017 2018 2019
percentage of cc/od loans advances
percentage of cc/od loans advances

33. 26
4. Total Credit growth of bank?
Year Credit growth of bank
2015 10480.34
2016 9737.65
2017 12216.42
2018 11565.88
2019 11804.18
0
2000
4000
6000
8000
10000
12000
14000
2015 2016 2017 2018 2019
credit groth of bank
credit groth of bank

34. 27
5. Credit growth of bank v/s credit growth of cc/od loan?
Year Credit growth of bank Credit growth of cc/od
loan
2015 10480.34 395.72
2016 9737.65 586.69
2017 12216.42 804.44
2018 11565.88 374.82
2019 11804.18 150.06
0
2000
4000
6000
8000
10000
12000
14000
2015
2016
2017
2018
2019
Chart Title
credit groth of bank credit groth of cc/od loan

35. 28
CHAPTER-4
FINDINGS
&
SUGGESTION

36. 29
4.1 FINDING OF THE STUDY
1. In 2019 KDCC bank provide total 1.27% means 150.06 lakhs of cash credit and overdraft loan.
2. Highest cash credit and over draft loan provide in the year of 2017 at 6.58% means 804.44 lakhs.
3. Out of the other loan kcc loan provided highest then other loans.
4. Lowest of cc/od loan provided in the year of 2019 at 1.27% means 150.06 lakhs.
4.2 SUGGESTION OF THE STUDY
1. The bank is more focus on KCC loan that should be change.
2. Bank should try to rise given other loans also other then KCC loan.
3. Bank should provide more data on its official website.

37. 30
5. BIBLIOGRAPHY
https://en.wikipedia.org/wiki/District_Co-operative_Central_Bank
https://thekachchhdccb.co.in/
https://www.google.com/forms/about/