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1. .

2. ROAR GROUP
 VIKAS P. MISHRA 129
 RAKESH S. AMIN 125
 OMKAR A. SHINDE 89
 AZHAR N. SHAIKH 90
 RAHUL N. TAKALE 91
 ROGER Y. PETER 88
 UMESH S. DASONI 130

3. TYPES OF BANKS
 CENTRAL BANKS
 PUBLIC SECTOR BANKS
 PRIVATE SECTOR BANKS
 CO-OPERATIVE BANKS
 DEVELOPMENT BANKS

4. CO-OPERATIVE BANK
“A Cooperative Bank is a financial entity which
belong to its member, who are at the same time
the owners and the customers of their bank. Co-
operative banks are often created by persons
belonging to the same local or professional
community or sharing a common interest. Co-
operative banks generally provide their
members with a wide range of banking and
financial services i.e. loans, deposits, banking
accounts.”

5. SARASWAT BANK

6. INTRODUCTION
 Established on 14th September,1918.
 Mr.J.K.PARULKAR was the first Chairman of
the Saraswat Bank.
 Society was converted into full fledged Urban
Co-operative Bank in the year 1933.
 Mrs.SOUMYA RAO is the present Branch
Manager of Kalyan Branch.

7. OBJECTIVE
 Bank was set-up to help families in distress.
 To provide accommodation to its member in
eventualities such as weddings of dependent
members of the family, repayment of debt &
expenses of medical treatment & so on.

8. MILESTONES
 After 25 years of its establishment, bank had a strong
foundation in terms of its membership, resources,
assets & profits.
 In last 2 decades bank has witnessed steady growth
with 223 fully computerized branches.
 On 31st March 2010 bank had business of 26000cr &
was surpassed in September by crossing 29000cr
landmark.

9. LONG TERM GOAL
 Bank has an ambitious business expansion plan in
place to have a presence in all major cities of the
country.
 Bank also aims at achieving 50,000cr by 2016 and
1,00,000cr by 2018.

10. THE THANE DISTRICT CENTRAL CO-OP. BANK LTD.

11. INTRODUCTION
 Bank was formed under Maharashtra State Co-
Operative Societies Act,1960 & controlled by
NABARD.
 Finance is provided by NABARD.
 Bank has 82 Branches over Thane District.
 Mrs.LATA PATIL is the present Branch Manager of
Kalyan Branch.

12. SERVICES
 Banks preferential sector is FARMING.
 0% loan is provided to the farmers (only crops
related) if repaid before maturity.
 Loans are provided at very low interest rate for
other agricultural activity.
 Bank has also formed BACHAT GAT.

13. ANNUAL
REPORT

14. GOPINATH PATIL PARSIK JANATA SAHAKARI BANK LTD

15. INTRODUCTION
 Establishment
 Founder
 Set-up
 Branches
 Recognition
 Financial Assistance

16. FEATURES
 RBI Control
 Interest on Deposits
 Granting of Loans
 Immediate Finance
 Less Procedure
 Issue of Shares

17. Branch Manager Mr.S.S.KATKAR with Group Members

18. PRESENT DEVELOPMENT
 SMS Banking Facility
 Rate of Defaulters
 Core Banking Services
 ATM Branches

19. FACTS & FIGURE DETAILS
(till 31-3-2011)
SHAREHOLDER 65073
EMPLOYEE 467
DEPOSITS 1398.03 crore
LOANS 722.07 crore
PROFITS 20.72 crore
DIVIDEND 15%
AUDIT CLASS “A”

20. FUTURE PLAN
 New Branches
 Increase in Deposit
 Net Banking Facilities

21. BENEFITS TO SHAREHOLDERS
 TDS Benefit
 Dividend Provided
 Voting Rights

22. SCHEMES
 Recurring Deposits Scheme
 Fixed Deposits Scheme
 Re-investment Deposits Scheme

23. FACILITIES TO WORKING STAFF
 Increment in Daily Allowance
 Interest Rate on Bank Deposits
 Interest Rate on Housing Loan
 Interest Rate on Vehicle Loan

24. .