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VISIONTo value everyones money and to multiply itfor the customers and achieve customersatisfaction.
MISSIONTo make the citizen’s of India understandtheir potential ability and help thegrowth of the society.
Sangli StructureAreaPopulationLiteracy258352485780001612377
BRANCH LOCATION• Prime location –SANGLI, Pushparaj Chowk• A branch of 2 floors including head quarter.• One ATM center
Earning Source(Primary)• GRAPES AND TURMERIC ARE THE MAIN CROPS.• CAPSICUM, GROUNDNUT, JOWAR AND SUGARCANE.
Earning Source(Secondary)• Farming• Cattle• Milk• Hatchery
Target Customer• Farmers (Microfinance & Commercial)• Students (Commercial)• Small or Large scale entrepreneurs (Microfina...
FUNDING
HIERARCHY OF FINANCIAL DEPARTMENTFINANCEEARNINGDEPARTMENT• INVESTMENT• RECOVERYTEAMLEADER• ROLES• RESPONSIBILITIESBOD• FOR...
MICROFINANCE A group is formed in which not more than 20 people are taken. The account is formed in the name of the grou...
Microfinance Caters to..• Small farmers not owning more than 2 hectares ofagricultural land• Landless cultivator of agricu...
Raising FinanceStrategies -• Surveys• Tie ups (Early establishment tie ups)
CAPITAL RAISINGInitial paid up capital Rs. 200 crores.Promoter’s contribution is 40 % of the paid up capital i.e. 80 cro...
…VC, Angel Broker & BankSpoke Person(BOD)4 BOD’s
TOP TO BOTTOM APPROACHTOP LEVELMIDDLELEVELBOTTOMLEVEL
HierarchyMarketingDepartmentBODTeam LeaderPromotion &AdvertisingDistributionContactingVendors
SCHEMES
SAVING ACCOUNTS• 0 balance account• No charges for first initial year• ATM facility• For first 500 customers sim card and ...
Loan Schemes for Microfinance• Agricultural / Mortgage Loan’s• Personal Loan• Education Loan• Loan for SME’s• Vehicle Loan
JANKALYAN’S UNIQUE SCHEMES• Kuber Varsha – This scheme is especially for Farmers who want to buy cropseeds, pesticides and...
GOLD LOAN• Mortgage your gold at 0% interest rate for the first month• The amount disbursed will be 500 rupees less than m...
Suvarna Varsha• Pay monthly installment of Rs. 500 to Rs. 2000 every month.• Keep it for one year, two years or three year...
KAR BACHAT YOJNA• Tax saving FD• Rs. 1 lakh per year are deductable• 5 years period, 3 years locking period• Interest rate...
Other Facilities• Current account• Lockers• FD’s• Recurring deposits (Dhanavarsha)• KISAN VIKAS PATRA
PROMOTION & ADVERTISING• KRUSHI MELA• DOOR TO DOOR MARKETING• ELECTRONIC MEDIA• F.M RADIO• HOARDINGS• NEWSPAPERS-SAKAL-PUD...
…• MAGAZINES- Baliraja- Godva- Kisan• AWARENESS PROGRAMME BY INFLUENTIAL PERSON (SABHA)• ON STATE TRANSPORT BUS AND RIKSHA...
Operations Department in Banks work under several Sections which areas follows:Section A: Pre-planning:Obtain the followin...
Section B: Item ProcessingRequest the following and prove totals to the corresponding dailystatement on a scope basis:• Of...
Section C: Retail Services1) Review W-8s. Determine that these forms are renewed afterthree years.2) Obtain the listing of...
Services Provided:-• Providing support & services is typical in such huge softwareimplementations. Services provided by In...
Solutions Provided :-• Core Banking• e-Banking• Mobile Banking• Treasury• Wealth Management• Direct Banking• Islamic Banki...
HUMAN RESOURCEMANAGEMENT
HUMAN RESOURCE1. RECRUITMENT2. TRAINING AND DEVELOPMENT3. POLICIES
RECRUITMENT
Hierarchy StructureBranchManagerCashier (2) Clerical (3) Sub- staffAsst. BranchManager
Training Techniques• On the Job Training• Coaching & Mentoring• Planned Reading• Technology Based training
POLICIES• Attendance policy.• Health and safety policy.• Candidate job offer letter.• Candidate evaluation form.• Discipli...
Development Plans• Performance Appraisal• Promotion Decision• Performance Counselling• Awards & Rewards
DHANYAWAD!!
Jankalyan Co-operative Bank - final ppt
Jankalyan Co-operative Bank - final ppt
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Jankalyan Co-operative Bank - final ppt

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business plan on opening a Co-operative bank.

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Jankalyan Co-operative Bank - final ppt

  1. 1. VISIONTo value everyones money and to multiply itfor the customers and achieve customersatisfaction.
  2. 2. MISSIONTo make the citizen’s of India understandtheir potential ability and help thegrowth of the society.
  3. 3. Sangli StructureAreaPopulationLiteracy258352485780001612377
  4. 4. BRANCH LOCATION• Prime location –SANGLI, Pushparaj Chowk• A branch of 2 floors including head quarter.• One ATM center
  5. 5. Earning Source(Primary)• GRAPES AND TURMERIC ARE THE MAIN CROPS.• CAPSICUM, GROUNDNUT, JOWAR AND SUGARCANE.
  6. 6. Earning Source(Secondary)• Farming• Cattle• Milk• Hatchery
  7. 7. Target Customer• Farmers (Microfinance & Commercial)• Students (Commercial)• Small or Large scale entrepreneurs (Microfinance andCommercial)• Distributors etc (Commercial)• Women (Microfinance)
  8. 8. FUNDING
  9. 9. HIERARCHY OF FINANCIAL DEPARTMENTFINANCEEARNINGDEPARTMENT• INVESTMENT• RECOVERYTEAMLEADER• ROLES• RESPONSIBILITIESBOD• FORECASTING• PLANNING• DELIVERY• SPOKES PERSON
  10. 10. MICROFINANCE A group is formed in which not more than 20 people are taken. The account is formed in the name of the group Every member is given a passbook and cheque book. Every member has to put in a certain amount of money in the accountevery week. Loan is then issued to an individual from the group with 15% interest tillthe time that person returns the amount.
  11. 11. Microfinance Caters to..• Small farmers not owning more than 2 hectares ofagricultural land• Landless cultivator of agricultural land including orallessees , tenants• Artisans, micro entrepreneurs and women etc
  12. 12. Raising FinanceStrategies -• Surveys• Tie ups (Early establishment tie ups)
  13. 13. CAPITAL RAISINGInitial paid up capital Rs. 200 crores.Promoter’s contribution is 40 % of the paid up capital i.e. 80 croresThe promoters’ contribution of a minimum of 40% of additional capital islocked in for a minimum period of 5 years from the date of receipt of capitalby the bank.The initial capital, other than the promoters’ contribution, is raisedthrough public issue & private placement.
  14. 14. …VC, Angel Broker & BankSpoke Person(BOD)4 BOD’s
  15. 15. TOP TO BOTTOM APPROACHTOP LEVELMIDDLELEVELBOTTOMLEVEL
  16. 16. HierarchyMarketingDepartmentBODTeam LeaderPromotion &AdvertisingDistributionContactingVendors
  17. 17. SCHEMES
  18. 18. SAVING ACCOUNTS• 0 balance account• No charges for first initial year• ATM facility• For first 500 customers sim card and balance worth Rs. 200free.
  19. 19. Loan Schemes for Microfinance• Agricultural / Mortgage Loan’s• Personal Loan• Education Loan• Loan for SME’s• Vehicle Loan
  20. 20. JANKALYAN’S UNIQUE SCHEMES• Kuber Varsha – This scheme is especially for Farmers who want to buy cropseeds, pesticides and fertilizers, tools, livestock etc. the loan would be offeredat 15% interest on the principal amount.• Mahila Vikas Padhati – For women who want to put up their own businesslike pickles, achaars etc. Interest charged at 10%• Airan Mahatva – For blacksmiths who want to expand their unit and business.Interest charged at 15%• Jhatpat Vaahan Karz – For garage and Cycle Shop Owners. Interest chargedat 15%• Poushtik Aarogya – For poultry and cattle owners. Interest charged at 15%
  21. 21. GOLD LOAN• Mortgage your gold at 0% interest rate for the first month• The amount disbursed will be 500 rupees less than marketrate.• The interest charges for 3 months will be charged at 12% p.a• The interest charges for 3-6 months will be charged at 13% p.a• The interest charges for more than 6 months will be chargedat 14% p.a
  22. 22. Suvarna Varsha• Pay monthly installment of Rs. 500 to Rs. 2000 every month.• Keep it for one year, two years or three years.• At the maturity stage the bank will add one installmentdepending on the number of years. i.e 500 for 1 year, 1000 for2 years and 1500 for 3 years.• Buy gold coins or bars with that money from the bank• You can even sell it back to the bank if not required in theform of coins or bars only.
  23. 23. KAR BACHAT YOJNA• Tax saving FD• Rs. 1 lakh per year are deductable• 5 years period, 3 years locking period• Interest rates-senior citizens – 11%others – 9 %
  24. 24. Other Facilities• Current account• Lockers• FD’s• Recurring deposits (Dhanavarsha)• KISAN VIKAS PATRA
  25. 25. PROMOTION & ADVERTISING• KRUSHI MELA• DOOR TO DOOR MARKETING• ELECTRONIC MEDIA• F.M RADIO• HOARDINGS• NEWSPAPERS-SAKAL-PUDHARI-LOKMAT-KESARI
  26. 26. …• MAGAZINES- Baliraja- Godva- Kisan• AWARENESS PROGRAMME BY INFLUENTIAL PERSON (SABHA)• ON STATE TRANSPORT BUS AND RIKSHAWS• AGRICULTURAL EXPOS
  27. 27. Operations Department in Banks work under several Sections which areas follows:Section A: Pre-planning:Obtain the following:•Prior internal audit workpapers.•Prior internal audit report(s) and management replies.•Staff assignments for the audit.•Time budget.OPERATIONS DEPARTMENT
  28. 28. Section B: Item ProcessingRequest the following and prove totals to the corresponding dailystatement on a scope basis:• Official checks.• Expense checks.• Certified checks.• Money orders.• Dealer finance.OPERATIONS DEPARTMENT
  29. 29. Section C: Retail Services1) Review W-8s. Determine that these forms are renewed afterthree years.2) Obtain the listing of outstanding collections and review forproper documentation.Section D: ATM SectionObtain an understanding of the controls over the ATM branchadministration. Indicate in a memo the procedures that arefollowed relating to maintenance, upgrades, etc. of ATMs.OPERATIONS DEPARTMENT
  30. 30. Services Provided:-• Providing support & services is typical in such huge softwareimplementations. Services provided by Infosys for the maintenanceof the application include.• Application development and maintenance• Application management• Independent validation• Migration services• Performance tuning• Software performance engineering• System integration• Value mining
  31. 31. Solutions Provided :-• Core Banking• e-Banking• Mobile Banking• Treasury• Wealth Management• Direct Banking• Islamic Banking• Finanz Tools• CRM• Advizor• Lite• Analyz• Alerts• Customer Experience• Inclusion Solution• Operational Data Store• Mobile Bank-in-a-Box• WatchWiz• Core Banking for RRBs
  32. 32. HUMAN RESOURCEMANAGEMENT
  33. 33. HUMAN RESOURCE1. RECRUITMENT2. TRAINING AND DEVELOPMENT3. POLICIES
  34. 34. RECRUITMENT
  35. 35. Hierarchy StructureBranchManagerCashier (2) Clerical (3) Sub- staffAsst. BranchManager
  36. 36. Training Techniques• On the Job Training• Coaching & Mentoring• Planned Reading• Technology Based training
  37. 37. POLICIES• Attendance policy.• Health and safety policy.• Candidate job offer letter.• Candidate evaluation form.• Discipline warning form.• Email and internet policy.
  38. 38. Development Plans• Performance Appraisal• Promotion Decision• Performance Counselling• Awards & Rewards
  39. 39. DHANYAWAD!!

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