Premium Essay

Project on Indian Financial System

In: Business and Management

Submitted By sethirupal2001
Words 3493
Pages 14
(`. Lakh)
Sr. No. No. of District Branches Covered 5 8 5 3 5 2 16 25 2 8 11 1 18 3 2 14 12 7 7 7 16 11 1 13 11 15 9 7 2 9 3 8 1 7 8 3 8 3 10 3 20 1 2 16 5 12 9 6 8 5 2 6 5 2 15 2 5 11 6 3 13 3 6 6 5 15 15 4 11 7 4 14 8 2 3 7 14 7 4 9 11 4 3 620 6 553 385 105 226 144 22 362 46 164 421 68 884 112 90 266 134 145 167 186 229 125 33 111 176 221 188 215 53 451 139 368 30 185 235 80 223 43 214 100 348 63 27 329 96 182 27 58 62 8 104 183 174 81 333 25 53 178 30 58 275 84 213 218 220 110 203 113 507 309 139 673 361 63 212 380 310 203 61 142 552 216 119 16001 Owned Fund Share Capital Share Capital Deposit Reserves 9 41901.43 79740.98 7630.19 19854.46 11428.33 0.00 7363.67 0.00 81.29 14666.05 0.00 216.39 3229.06 5708.90 4788.64 8068.68 9295.81 5978.88 49686.30 24108.28 5526.90 1364.24 0.00 6596.73 0.00 0.00 12696.33 1119.41 68710.61 14062.72 47826.93 2294.10 18113.96 22774.65 0.00 1935.41 0.00 12069.93 4084.08 4417.76 3724.24 3782.40 2322.68 2688.19 54.48 10.37 5722.25 620.89 0.00 0.00 5.55 182.50 2190.41 11.31 45.47 8754.05 33395.91 2547.49 40.19 1458.83 2057.68 10565.88 8331.02 15380.22 8479.22 14982.73 57.97 50543.92 50162.48 3574.11 30824.21 34812.29 0.00 46663.78 42612.16 15985.05 25717.52 4915.93 5241.47 0.00 752.01 0.00 956557.96 Total Owned Fund Borrowings Deposit Investments

Name of RRB


Sponsor Bank


Loan Recovery issued Net Profit Loss Net NPA % (As on % during the June 2010) (After Tax) Amount period
16 80.85 73.26 71.25 79.40 88.46 66.18 70.31 84.48 59.39 90.47 63.94 59.27 80.93 80.18 77.95 76.16 83.84 83.88 83.57 85.21 90.29 89.01 86.85 76.42 76.38 47.65 83.64 59.24 76.51 91.30 80.14 82.24 85.93 92.47 79.28 79.40 71.18 87.42 61.15 75.03 73.15 87.03 65.50 70.15 75.58 40.58 78.80 82.12 68.62 82.15 67.29 79.04 59.00 71.66 97.03 94.28 93.58 95.47 88.35 87.62 93.11 82.58 92.21 90.35 85.47…...

Similar Documents

Premium Essay

Financial Project

...component parts. These parts cost Jobs $40 and the blue boxes were mainly sold to students in dorms and door-to-door for $150. Jobs and Wozniak shared the profits from the sale of the blue boxes. Though this venture was profitable, they ceased operations for fear of a police crackdown. Around this same time, Atari had been gaining popularity through the sales of their video games and was looking to advance their success even further. Jobs, who was still working for the company, was approached by Atari founder, Nolan Kay Bushnell. Bushnell invited Jobs to develop the circuitry that would transform the popular game, Pong into something more innovative. Jobs was given four days to create this new game called Breakout. Knowing that this project was beyond his capabilities, he contacted his friend, Steve Wozniak to help him accomplish the task. Wozniak was excited to take on the challenge. Four days was not a lot of time to accomplish what needed to be done given that Wozniak was now working full time at HP. To accomplish the task, Wozniak worked at HP during the day and then worked with Jobs during the evenings and nights. In four days time, they accomplished what they sat out to do. They were both very proud of their work. They created a viable game that took a high level of technical skill and did it under relatively intense time pressure. The two split the $700 compensation paid by Atari, however to Wozniak the real compensation was Journal of the International......

Words: 5022 - Pages: 21

Premium Essay

Indian Rayon Project

...A PROJECT REPORT ON “RATIO ANALYSIS” AT INDIAN RAYON (A UNIT OF ADITYA BIRLA NUVO LTD) VERAVAL (GUJARAT) SUBMITTED TO TILAK MAHARASHTRA UNIVERSITY IN PARTIAL FULFILLMENT OF 2 YEARS FULL TIME COURSE MASTER OF BUSINESS ADMINISTRATION (MBA) Submitted By: KAAT RAFIK O. (Batch 2008-10) Guided By: Prof.R.GANESHAN MAHARASHTRA COSMOPOLITAN EDUCATION SOCIETY‘S PAI INTERNATIONAL CENTRE FOR MANAGEMENT EXCELLENCE CAMP- PUNE-411001 1 CERTIFICATE This is certify that KAAT RAFIK OSMAN BHAI student of PAI international centre for management excellence, Maharashtra Cosmopolitan Education society, Pune has completed his field work report on the topic of RATIO ANALYSIS AT INDIAN RAYON (A UNIT OF ADITYABIRLA NUVO LTD) VERAVAL(GUJARAT) and has submitted the field work report in partial fulfillment of MBA of the college for the academic year 20082010. He has worked under our guidance and direction. The said report is based on bonafide information. Project guide name Prof. R Ganesan Designation Director 2 PAI INTERNATIONAL CENTRE FOR MANAGEMENT EXCELLENCE Maharashtra Cosmopolitan Education Society DECLARATION I hereby declare that project titled ―RATIO ANALYSIS‖ is an original piece of research work carried out by me under the guidance and supervision of prof. R Ganesan. The information has been collected from genuine &authentic sources. The work has been submitted in partial fulfillment of the requirement of MBA to our......

Words: 9435 - Pages: 38

Premium Essay

Tranformational Changes in Indian Financial System Post 1991

...Financial System is a system that allows the transfer of money between savers and borrowers. It helps in transferring of surplus amount of money from the savers to the borrowers who need money, which helps savers to earn on their investments, and this similarly helps the borrowers to fulfill the need of the money. A financial system helps promotes the wellbeing and also helps in improving the living standards of people. Lets start with the Capital Market in India first. Capital Market is a market in which individuals and institutions trade financial securities. The securities are sold off and bought in capital market for raising the funds (Investopedia, 2013). Capital Market includes both primary and secondary market. Capital market helps in proper channelization of funds and helps raising long- term funds. This kind of market is a continuous market and provides variety of services. The market where new securities are bought and sold for the first time is known as Primary Market. Types of issue in Primary Market may be through public offer (where shares are offered to general public), bonus issue, Follow- on public offers, private placement (intermediaries sell shares to selected clients at higher price), right offer (shares are offered to existing shareholders) etc. It helps in providing additional capital to issuer companies. Secondary Capital Market is a market where existing securities are bought and sold. Secondary market offers liquidity, which encourages even those......

Words: 2509 - Pages: 11

Premium Essay

Indian Education Systems

...India has one of the largest populations in the entire world, and with that comes the second largest education system in the word. It is estimated that around thirty percent of India's population is under the age of fifteen[1], thus more children in the education systems. The large education system in India has not always had the best of reputations, and still does not hold a very reputable name for itself. Though there has been strides for improvements in the system of education for India in the last decade, the fundamentals of the law on education is where the main issue lies. There have been many changes to the education system of India in the years since their independence, but there is not much to show for the changes that have been made to their system since the quality of education material, as well as the quality of educators has made little improvement. The education system in India saw many changes shortly after colonial times, and have continued to change since then but the changes have not made as large of an impact as they should have. Many people see the education in India as inadequate, which it may certainly be. Before the British East India Company took the steps to intervene into the educational system, education had little to do with government. The education of India has an interesting history. It is believed by many historians that in the ancient days, the material that was to be taught was done so by word of mouth and was to be taught by the sages and...

Words: 2869 - Pages: 12

Premium Essay

Indian Banking System

...INDIAN BANKING SYSTEM – ROLE AND CHALLENGES Banking Industry creates a chain of economic activity in the country. When a bank lends, it is followed by a number of activities like investment, production, employment etc., finally the effect of it is reflected on the economy. The economic implications of banking activity can be mentioned as removal of poverty, promotion of employment opportunities, encouraging savings, improving capital market etc., with more banking activity, economic growth in the country will speed up leading to more economic development. BANKING HISTORY Bank of Hindustan was set up in 1870.It was the earliest Indian Bank. Later three presidency banks were set up in 1876.Bank of Calcutta, Bank of Bombay and Bank of Madras which laid the foundations for Modern Banking in India. In 1921 all presidency banks were amalgamated to form the imperial bank of India. It engaged in all types of commercial banking business except dealing in foreign exchange. RBI Act was passed in 1934 and it was constituted as an apex body without major government ownership. Banking regulation Act was passed in 1949. This regulation brought RBI under government control. In 1955 RBI acquired control of the Imperial Bank of India which was renamed as State Bank of India. The Narasimha committee report suggested wide reforms for the banking sector in 1992 to introduce internationally accepted banking practices. As a result the year 1993 saw the......

Words: 2293 - Pages: 10

Premium Essay

Indian Financial Markets

...Abstract The paper talks about the primary market, FDIs, capital makets, banking sector and infrastructure financing as well. With all these elements in the India Financial market, it happens to be one of the oldest across the globe and is definitely the fastest growing and best among all the financial markets of the emerging economies. The history of Indian capital markets spans back 200 years, around the end of the 18th century. It was at this time that India was under the rule of the East India Company. The capital market of India initially developed around Mumbai; with around 200 to 250 securities brokers participating in active trade during the second half of the 19th century. The journey of Indian financial markets has been of many shades over the last decade. We have seen a lot of progress, but also significant pauses. Many twists and as many turns. Awe inspiring growth punctuated by its gasping lack of inclusiveness. Presumably, these are the teenage pangs of a free economy which is jostling for its rightful place in the Globe. The fastest free market economy is now face to face with the challenges and opportunities to opt for either slow and steady or fast and furious growth, in the next decade. Financial market You are fully aware that business units have to raise short-term as well as long-term funds to meet their working and fixed capital requirements from time to time. This necessitates not only the ready availability of such funds but also a......

Words: 2535 - Pages: 11

Premium Essay

Indian Caste System and Varna

...INDIAN CASTE AND VARNA SYSTEM India is a diverse nation and one of the most prominent historical features of this country is its caste system. Under this caste system, people are divided and differentiated on the basis of region, class, place of birth, language, religion, tribe and gender. This caste system is seen as a tool to intricately stratified social hierarchy which plays a key role in distinguishing the culture of our nation from any other in this entire world. It has a history which is multi-dimensional and multifarious and is considered as the sole basis of a methodical ranking system on the basis of your occupation and inequality among the people, which is the root cause of the problem of inequality of the society. According to this caste system, the social standing of a person should be decided on the basis of the caste in which he is born in. To study the history of caste system in India, we must first study the history of Hinduism. The definition of ‘caste’ should be considered before studying about the Caste system of India. Caste can be defined as “a collection of families or groups of families bearing a common name; claiming a common descent from a mythical ancestor, human or divine; professing to follow the same hereditary calling; and regard by those who are capable to give an opinion as forming a single homogeneous community”. It can also be defined as an hierarchal division of different parts of the society on the basis of their occupation and place......

Words: 2550 - Pages: 11

Premium Essay

Financial Systems

...2  The role of financial systems in the economy This section iscusses the main functions of financial intermeiaries an financial markets, an their comparative roles. Financial systems, i.e. financial intermeiaries an financial markets, channel funs from those who have savings to those who have more prouctive uses for them. They perform two main types of financial service that reuce the costs of moving funs between borrowers an leners, leaing to a more efficient allocation of resources an faster economic growth. These are the provision of liquiity an the transformation of the risk characteristics of assets.[2] 2.1  Provision of liquiity The link between liquiity an economic performance arises because many high return investment projects require long-term commitments of capital, but risk averse leners (savers) are generally unwilling to elegate control over their savings to borrowers (investors) for long perios. Financial systems mobilise savings by agglomerating an pooling funs from isparate sources an creating small enomination instruments. These instruments provie opportunities for iniviuals to hol iversifie portfolios. Without pooling iniviuals an househols woul have to buy an sell entire firms (Levine 1997). iamon an ybvig (1983) show how financial intermeiaries can enhance risk sharing, which can be a preconition of liquiity, an can thus improve welfare. In their moel, without an intermeiary (such as a bank), all investors are locke into illiqui long-term investments......

Words: 2461 - Pages: 10

Premium Essay

Indian Financial System

...INDIAN FINANCIAL SYSTEM 1. The Financial System – Nature, Evolution and Structure 1.1 The Nature of Financial System What is a Financial System? A system is generally defined as an ordered, organized and comprehensive assemblage of facts, principles or components relating to a particular field and working for a specified purpose. A Financial System aims at proper redistribution of surplus financial resources for the equitable growth of an economy. “Financial System is a set of complex and closely inter-mixed financial institutions, markets, instruments, services, practices, procedures and so on.” An economy's financial system exists to organize the settlement of payments, to raise and allocate finance, and to manage the risks associated with financing and exchange. A developed financial system is one that has a secure and efficient payment system, security markets and financial intermediaries that arrange financing, and derivative markets and financial institutions that provide access to risk management instruments. It does so by transfer of various economic units. Goldsmith, R.W., The Flow of Capital funds in the war Economy, New York, Columbia, 1965, p.28 – designated various economic units into three categories; (i) Savings-surplus units> those units whose savings are in excess of investments, (ii) Economic Units> in whose case the investments exceed their savings referred to as savings-deficit units and (iii) Neutral Units> in whose case savings are......

Words: 1107 - Pages: 5

Premium Essay

Indian Financial

...Indian Capital Market Nidhi Bothra Payel Jain Vinod Kothari & Company What are Financial markets Financial market is a market where financial instruments are exchanged or traded and helps in determining the prices of the assets that are traded in and is also called the price discovery process. 1. Organizations that facilitate the trade in financial products. For e.g. Stock exchanges (NYSE, Nasdaq) facilitate the trade in stocks, bonds and warrants. 2. Coming together of buyer and sellers at a common platform to trade financial products is termed as financial markets, i.e. stocks and shares are traded between buyers and sellers in a number of ways including: the use of stock exchanges; directly between buyers and sellers etc. Financial markets may be classified on the basis of • • • • types of claims – debt and equity markets maturity – money market and capital market trade – spot market and delivery market deals in financial claims – primary market and secondary market Indian Financial Market consists of the following markets: • • • Capital Market/ Securities Market o Primary capital market o Secondary capital market Money Market Debt Market Primary capital market- A market where new securities are bought and sold for the first time Types of issues in Primary market • • • • • Initial public offer (IPO) (in case of an unlisted company), Follow-on public offer (FPO), Rights offer such that securities are offered to......

Words: 7747 - Pages: 31

Premium Essay

Financial System

...“The role of the financial system in a market economy is to effectively and efficiently move funds from surplus budget units to deficit budget units.” However, in the absence of well-functioning financial intermediaries this transfer of funds may be severely retarded.” Discuss. Within a financial system, surplus and deficit units trade, which facilitates the movement of funds from deficit units to have access to those with the budgeted units. Hence, there is always the incentive to trade. The role of the financial system is also to allow the deferral of expenditure. The question is often asked, how can this exchange of funds take place, one may think of it as a do it yourself project, like selling your house, without a real estate agent, an individual can simply make a profit and cash in on funds without having to pay the middle man. Persons are often of the belief direct financing may be easier than the use of an intermediary, this occurs where ultimate users and ultimate providers of the funds exchange claims directly with each other without the use of the bank, however, it is not as simple as it seems. Many issues may arise that is why there is the need for well-functioning financial intermediaries. Also known as indirect financing this is where institutions pool savings together and investments of those with surplus budgeted units and lend them to persons within deficit units in order to receive a return. Financial intermediaries transform financial assets that are......

Words: 1276 - Pages: 6

Premium Essay

Financial System

...A financial system is a system that to channels funds from lenders to borrowers, to create liquidity and money, to provide payments mechanism, to provide financial services. The present structure of the financial system in Bangladesh comprises of various types of banks, insurance companies, non-bank financial institutions and share market. Money market Bank NBFI Share market Insurance Bank: Bangladesh Bank is at the top of the banking system and is accountable for assuring prudential administration and central banking activities for all types of banks operating within the banking industry. Bangladesh Bank monitor, control the overall banking system. Banks in Bangladesh are two types: a) Scheduled Banks, b) Non Schedule bank. a) Schedule Bank: Basically Schedule bank is two type: i) State owned commercial bank. i.e. Sonali bank. ii) Private commercial bank. i.e. Prime bank, Islami bank NBFI: Non-banking financial institutions, which are not, banks. These institutions cannot perform all functions of banks. NBFI cannot issue check, not allowed to take all type of deposits except fixed deposit. It provides long term loan. Not regulated all the time by Bangladesh bank. For example: IDLC Share market: Bangladesh Securities and Exchange Commission (BSES) is the regulator of Share market.......

Words: 356 - Pages: 2

Premium Essay

Indian Financial System

...INDIAN FINANCIAL SYSTEM The economic development of a nation is reflected by the progress of the various economic units, broadly classified into corporate sector, government and household sector. A financial system or financial sector functions as an intermediary and facilitates the flow of funds from the areas of surplus to the deficit. It is a composition of various institutions, markets, regulations and laws, practices, money manager analyst, transactions and claims and liabilities. function of the financial system is the mobilisation of savings, their distribution for industrial investment and stimulating capital formation to accelerate the process of economic growth The features of a financial system are as follows 1. Financial system provides an ideal linkage between depositors and investors, thus encouraging both savings and investments. 2. Financial system facilitates expansion of financial markets over space and time. 3. Financial system promotes efficient allocation of financial resources for socially desirable and economically productive purposes. 4. Financial system influences both the quality and the pace of economic development. The Indian Financial system (financial markets) is broadly divided under two heads: (i) Indian Money Market (ii) Indian Capital Market The Indian money market is the market in which short-term funds are borrowed and lent. The money market does not deal in cash, or money but in bills of exchange, grade bills and......

Words: 1577 - Pages: 7

Premium Essay

Indian Financial Code

...Indian Financial Code Summary The Indian financial system is suffering from the problems of lack of financial inclusion, growth of unregulated shadow market, slow pace of innovation and the challenges of financial integration. It is felt that the present code of the financial sector need to be reviewed and altered, while keeping in mind the present needs of the economy. This is because most of the laws are very old, there are overlaps and inconsistencies, and there is lack of clarity in terms of regulations due to the presence of a number of regulators. It is also argued that the laws in India are traditionally evolved on a problem by problem basis. With the advent of the New Economic Policy in 1991, substantial economic liberalisation took place in India. Between 1991 and 2002, progress was made in four areas. Firstly, capital controls were substantially reduced to give Indian Firms access to foreign market. Also, a new pension system was evolved and the monopolies of the public sector in the insurance field were broken up. This led to the formation of the new Insurance regulator, Insurance regulator and Development Agency. Additionally, significant increase in the equity market as a mechanism to raise finance by firms led to the formation of the financial market regulator SEBI. Also infrastructure institutions, National stock exchange and National Security Depository were also set up. Although, these moves were taken up in the right direction but they were considered to......

Words: 1972 - Pages: 8

Free Essay

Indian Caste System

...special article caste in the 21st century: From system to elements A M Shah The argument that while caste as a system is more or less dead, individual castes are flourishing is widely accepted. However, the notion of “caste as a system” is derived mainly from studies of the rural rather than the urban community. In this article, individual caste is seen in the context of both rural and urban communities and its several aspects, particularly the rule of endogamy as its defining criterion, are analysed at some length and some implications of the analysis are pointed out. n 1955, M N Srinivas presented a paper, ‘Castes: Can They Exist in the India of Tomorrow?’, at a national seminar on “Casteism and Removal of Untouchabilty” in Delhi, attended, among others, by such distinguished persons as S Radhakrishnan, Jagjivan Ram, Govind Ballabh Pant, V K R V Rao, Kaka Kalelkar and Irawati Karve. The paper was published in the seminar report as well as in the Economic Weekly (1955). After a lifetime of scholarship on caste, in 1999, the last year of his life, Srinivas delivered a lecture under different titles in Bangalore, Delhi and Kolkata, on the passing away of caste as a system. It was published posthumously in 2003 in the Economic and Political Weekly under the title, ‘An Obituary on Caste as a System’. Srinivas expanded this title into a sentence, “While caste as a system is dead, individual castes are flourishing” (ibid: 459). He made this statement almost at the end of...

Words: 9036 - Pages: 37