2. Dedicated to Mummy &
Papa
Who have remained
inspirations for me?
Throughout my life.
3. 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, fertiliz
ers etc for extra
growth. This has
made people to
spend more
money on
agriculture.
4. The banks help agriculture in many
ways. One way of helping is by
providing finance (Loans).
5. 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
6. 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
7. 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.
8. 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.
10. 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/
13. 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
14. 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
15. 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.
16. DATA
ANALYSES
Q1) How much agricultural land do you
have?
•0 - 20 kanals.
•20 – 50 kanals.
•50 - 100 kanals.
•100 above.
17. Q2) To which business you are associated?
•Fruit grower.
•Carpets.
•Shawl weaving.
•Khatamband art.
•Others.
18. What is your annual turnover?
•0-5 lac.
•5-10 lac.
•10-20 lac.
•Above 20 lac.
19. Q7) How much financial assistance you got from the
bank?
•0-1 lac
•1-2 lac
•2-3 lac
•Above 3 lac
20. Q9) Is the interest rate suitable regarding your
profitability of business?
•Yes
•No
21. Q11) What is your opinion regarding the repayment
period of the loan amount?
•It is good.
•It is very short.
•Extension is required.
22. Q16) Who recommended you the products of JK
Bank?
•Bank executives
•JK Bank Dairy program on local radio.
•Hoardings.
•Other means.
23. Q17) Are you satisfied with the jk bank in general?
•Yes
•No
24. 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
25. 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.
26. •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.
27. 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.
