A SUMMER TRAINING REPORT

IN SHRIRAM CITY UNION FIN. LTD. DISTT HAMIRPUR

HIMACHAL PARDESH
Submitted in the Gautam Institute of Management and
Technology Hamirpur (HP),in the

Partial Fulfillment for the requirements

award Degree of

Master of Business Administration

Session 2022 -2023

Submitted To Submitted By

HIMACHAL PARDESH TECHNICAL ROHIT SHARMA

UNIVERSITY, HAMIRPUR (HP) Class: MBA 3rd semester

University Roll No21014426021

[1]
[2]
 PREFACE
After The 2nd semester of Master Of Business Administration (MBA) course,
an interne was sent to SHRIRAM CITY UNION FIN. LTD. Hamirpur Branch to
have a practical exposure on banking activities under the programs of
Industrial training SCUF is a leading NBFC which starts in operation from
1974 Through All over india its to silent to general banking service account
opening ,bills, remittance, clearing, cash, and computer ,section while
advance banking involves the activities related to providing borrowing to its
customers.

First chapter to introduction of the report focus on background , objective and

introduction of industry focus on the context of banking industry present
situation challenges and opportunities. And after then brief introduction to to
the organization focus on SCUF vision, mission, strategy, present situation of
the Non- bank of SWOT analysis.

The second chapter focus on Practical part analysis of activity done and
problems solved role of the internee and fitting in the organization structure
experience in the training including system process also Occurrences of
problems and how these problems solved and observed gape.

The final section of the report includes conclusion and overall experience and
Learning Knowledge gained

[3]
 DECLARATION
I ROHIT SHARMAA student of MBA 3rd semester at GAUTAM INSITIUTE OF
MANAGEMENT & TECNELOGY HAMIRPUR affiliated to Himachal Pardesh Technical
University Hamirpur here by declare that the report entitled NON Banking Training of
the “Shri ram city union fin ltd”. Distt Hamirpur (HP) has been the report under the
supervision of Mr. Pankaj Banyal and is very First and genuine copy. I myself originally
prepared this report prepared on the 26 days work period as an training. The report has
not been published or subimitted or published elsewhere before. Any work data or
done by other and citied with in this report given due acknowledgment and listed in the
reference section.

I am ever for any peralty or charge if found any fraud regarding this report.

Date: ROHIT SHARMA

Uni. Roll No: 21014426021

PLACE: Gautam Insitute Of Management & Tecenology Hamirpur

[4]
 TABLE OF CONTENTS
Sr. No. PART Particular Page
No.

1 Cover Page 1

2 Certificate of Bank 2

3 Later of Declaration 3

4 Preface 4

5 Table of Contents 5

6 List of Table 6

7 1st INTRODUTION
1.1 Background of The report 7

Overview of The Report 8

Duration Of Training 9

Ways Of Information Of Collection 10

Scope Of Report 11

Sample And Design of Report 12

8 1.2 Objectives of training 13

9 General Objected 14

10 Specific Objected 15

11 1.3 Brief Introduction Of Banking

Organization

[5]
12 Meanings and Definition of NON Banking 16

13 Functions OF NON Banking

14 1.4 Introduction Of
Our Organization
SCUF
15 History of SCUF 17

16 Commerce and Management 18

17 Capital Structure and Financial Position 19

18 Business Deposits Policy 20

19 Products and services of SCUF 21

20 1.5 Organization structureof 22

SCUF

21 1.6 SWOT Analysis of SCUF 23

22 Position of Balance Sheet 24

23 2nd Weekly Practical Report 25-49

24 2.1 1st week 16 August – 21

August

25 2.2 2nd week 22 August -28

[6]
 August

26 2.3 3rd week 29 August- 4

September

27 2.4 4th week 4 September - 11

September
28 2.5 5th week 12 September – 16
September

29 3rd Recommendation and Conclusion

30 3.1 Overall Experience and 50

Learning Knowledge
Gained
31 3.2 Recommendation 51

32 3.3 Summary and Conclusion 52

CHAPTER 1

[7]
 INTRODUTION
Bake ground the report The term TRAINING IMPLIES
Students participants in any organization and Trainee for the partial
fulfillment of the degree for the awarded university. Training is that sort
of academic curriculum and platform where student get

Opportunity to gain practical Knowledge and develop the idea about how
to implement the theoretical Knowledge that gat they have been taught
In the university or colleagues.

According to Gross man: “An training is a professional work experience where

Learning is built into the business organization”.

During the internship the student takes on responsibility in the business

organisation and participates in observing and learning while activity
performing duties supporting the business endeavours. The importance of an
training is for the student make a clear and distinct connection between their
academic learning and professional work place.

As an trainee student, are look more practical explore about the market
industry marketing and operation compare to what they have known by
studying university and collages. As per the interest of student and decision
of colleges. Student are placed in different department like as marketing
finance and HR.

1. OVERVIEW OF REPORT:
This report “An overview of Non Banking Shriram City Union Fin. Ltd..” Has been
[8]
prepared the fulfillment of the requirement of the award of degree of Master
of Business Administration

Under the MBA program of “Gautam Institute of Management & Technology,

Hamirpur Himachal Pradesh Technical University Hamirpur (hp)

The Internship program endure for 30 days starting from 14 sep to 09Oct 2022
Interne has spent 26 days period in the following departments.

Table1.1.1

Duration of Name of Departments Time period in Days

Training in
Different
Departments
Sr.
No.
1 Credit Departments 7

2 Customer Services Departments 14

3 Cash Department 7

Total 28

Training Methodology:

By methodology we mean who, when ,what and Where method techniques are
used to gather the data information make the analysis and represent to
collected data the draw up the report complete valuable and more meaning
full to another word collection.

Data and Information collection.

[9]
 Data information and other necessary materials that are method This report
complete and meaning full gathered from two sources, internally and externally.
Some time orally I have collected information which is not available And these
can be gathered only personal experience.

Ways of Data Collection

1. Primary Data: First time collected data As a interne accumulated from

primary data from

a. Observation of Employees: Here primary data are collected through

spending 26 days in the SCUF during the working Hour Here I Observed
the total banking process

b. Direct Involvement in work.

c. Informational Discussion.

2. The secondary data: had been collected from the MIS of SCUF.
To clarify

different secondary such web site, register book. In this regards internal
sources:

a. Bank Annual Report 2020-2022.

b. Previous reports and journal relevant to banking industry

c. Instruction of Head Office.

d. Bank issues seminar papers etc.

e. Books and Wikipedia source etc.

[10]
SCOPE OF STUDY:
The duration of study was a very short span time. It was very much hard to
complete a report as a assigned task by the Non bank So I had complete
this study Facing by much time pressure This report cover only credit
department and General banking activities of Shriram City union fin ltd.
Especially this report of the comparison of different banks in interest rate
and deposit scheme in a financial products. It consider on one branch public
and private bank.

Sampling procedures and Research Design:

I collected Primary data by random sampling size is non banking Employees Collected
information is processed by The use of computer system By using MS Excel and SPSS software to
analyzed one year account opening data One Year data are collected randomly and regular
interval process And Design.

OBJECTIVES OF TRAINING

Training is become the key for student to get employment To get am Employer a candidate
who has spent time working for a particular industry shows dedicate to a particular career
enthusiasm for a particular job and importantly has Experience Moreover and offer
Knowledge of Professional carrier.

I internee have selected to do internship at KCC Bank one of the finest bank In HIMACHAL
PARDESH Banking on The credit department The Objected are internship highlighted as:

General Objective

Specific Objectives,

1. General Objective:

To Quality for the Degree of Master of Business Administration.

2. Specific Objectives.

A To get the real picture of Professional life .

B To acquire that experience about the activities perform in the credit Finance

dept. C To acquire The Knowledge about the document needed the loan

[11]
 D To identify the types of loan and their importance of

business F To identify the loan department of the bank

G To study the efficiently

Brief Introduction of the Banking Industry 1

Meaning of the non Bank

Non Bank is the Lawful organization which accepts deposits that can be withdrawn
on demand pay interest clear cheque act as intermediary and make loan individual
and business those need it A part from this bank also provide financial services such
as wealth management and currency exchange and safe deposit locker and vault
facility.

[12]
 Utility Functions
The bank also performs General utility function such as:

1) LOAN.

2) CROSS SELL

INTRODUCTION OF SHRIRAM CITY UNION FIN

Shriram City Union Finance is India's leading Non-Banking Financial Company (NBFC).
Shriram City was incorporated in 1986, and is a part of Shriram Group. Shriram City is
providing specialized services in retail & Micro Small & Medium Enterprise (MSME) lending.
Shriram City is India’s most Trusted Financial Services Brand, according to the Brand Trust
Report consecutively from 2016, this trust coupled with customer centric approach has
propelled us to be India’s number One MSME and Two-Wheeler financier. Shriram City has a
nationwide network of 900+ branches, with an AUM 29085 Cr and a customer base of more
than 4.76 million as on March 31, 2020.

Shriram City offers a broad basket of financial products, catering to every segment of Indian society.
It comprises vehicle loans (both new and pre-owned vehicles), Personal Loans, Micro Small and
Medium Enterprise (MSME) Loans, Gold Loans, and investment options like Fixed Deposits.

[13]
 BUSINESS:

SCUF offers a wide range of commercial and transactional banking

service and treasury products to Wholesale and retail customer The
Non Bank has to business Segements:

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 Deposit Policy
Customers as most important visitors in our premises they are not
dependent on us we are dependent on them. We are Determined served
them in particular and

Our community as a whole general with satisfaction through co-operatives.

TYPES OF DEPOSIT ACCOUNTS

1. Term Deposit Account

2. RD

[15]
1Term Deposit Accounts:
The Deposit Received by the bank for a fixed period withdraw after the
expiry of the fixed period and include deposit such as recurring and Fixed
Deposits Etc.

Term Deposits can be opened by

1. Individual by Partnership firms

2. Private and Public LTD Companies

3. HUF and Socities Etc.

[16]
 PRODUCT SCOPE

SCUF a bunch of Products and services to meet the every need people.
The Company Cares for both individuals as well as corporate and small

And Medium enterprises For individuals and cards assist the customers.

The customer are choose the suitable one from a range of products
which will suit their life stage and needs. For organization the company has a
host of customized solution the range for funded service and not funded
service. Value addition services and non funded service value ,mutual fund

1 LOANS
a. Personal Loans

b. Home Loans

c. Two Wheeler Loans

d. New Car Loans

e. Used Car Loans

f. Commercial vehicle Finance

g. Working Capital Finance

h. Construction Finance

[17]
i. Investment and Insurance

j. Mudra Gold Bar

ORGANISATION STRUCTURE OF SCUF:-

The management of affairs of the bank shall best as defined in the laws in the
following bodies and officers.

The General body determined the policy of the bank

1. The board of directors

2. The Executive Comity.

3. The managing Director

4. The General Managers.

ADMINISTRATIVE SET UP OFBANK:

1. Board of Director
2 Chairman.

3 Managing Director

4 General Manager

About Branch Office, Hamirpur for the financial year

2020- 2022
Total Number of Employees=9
With designation of Branch Manager Mr. Pankaj Bnayal
[18]
Junior Assistant Manager Rahul Kumar

Senior Clerk Abhay Kumar

Cashier Arun

(Detail of SCUF Bank, Branch Office Hamirpur)

Sr. Particular Amount in Fig (in Amount in

No. Lakh)31/03/2020 fig(in lakh)
31/03/2022
1 Turn over The Year 880000 950000

2 Total Deposits of the 702654 759005

Year

3 Deposit ratio 21.00% 22.55%

4 Loan and Advance 172169 167646

5 NPA non Performing 8% 8.50%

Assets

6 Saving Accounts 7600 7792

7 Profit and Loss 1666000 1667000

[19]
SWOT ANALYSIS Introduction

of SWOT Analyses
A swot analyses is a structure planning method used to evaluate the
strengths weakness, opportunities and threats involve in a project or in a
business venture. A SWOT analyses can be cerried out for a business venture
A swot analysies can be carried out for a project place company firm or
person it internal and external factor that are favourable and identifaction

1. STRENGTHS: characteristics of the business or project that give it an

advantages over other.

2. Weakness characterstics that place company or project at a

disadvantages over other.

3. OPPORTUNITY: elements that the project could exploit its advantages.

4. THREATS: elements that environment could cause trouble for the

business project.

[20]
STRENGTH

The biggest strength of non bank is direct banking channels. Saves

time and money both as a customer does not need to go to bank
for any kind of Transaction except cash withdrawl and cash
deposit all other things are done sitting

WEAKNESS

a. Resistance to change

b. One should have the Knowledge of the operation of

the computer and all of course the internet.

[21]
[22]
CHAPTER
2 WEEKLY
PRACTICAL
WORK

[23]
 1st WEEK
16 August 2022 Tuesday Firstly I come Enter in
Branch and Meet The
Branch Manager and Staff
in whole of the
organisation
17 August 2022 Wednesday Branch manager are
assigned me work on
present the speech on
banking customer in the
topic of Scuf

18 August 2022 Thursday Provide me information

on employees job profile
and status of work

19August 2022 Friday I Learn that working

system of bank and how
deal with Audience. Also
some learn that non
banking Function&
operation Area
of SCUF
20 August 2022 Saturday I also learn about how to
introduce yourself in any
organization norms, culture
and rule of organization

[24]
21 August 2022 Sunday HOLIDAY

2nd WEEK

22 August Monday
2022 To gain the
practical Knowledge
of Giving loan

23 August Tuesday Today fill the Deposit

2022 slip form in the
Branch

24 August Wednesday Fill Loan

2022 Application Form

25 August Thursday Marketing

2022

26 August Friday Fill the loan file

2022

[25]
27 August Saturday HOLIDAY
2022

28 August Sunday HOLIDAY

2022

3rd WEEK

29 August Monday I Learn that how to

2022 fill Gold loan file

30 August Tuesday Today i am Learn

2022 To mange
customers

31 August Wednesday To provide

2022 different loans

1 September Thursday I Know About cross

2022 sell produts

[26]
 2 September Friday I Learn about
2022 Loan products

3 September Saturday
2022
ON Leave (Holiday)

4 September Sunday HOLIDAY

2022

4th WEEK
5 September Monday Prepare the cash
2022 report and who cash
to dealing

6 September Tuesday How to print a Loan

2022 statement

7 September Wednesday Leave (Holiday)

2022

8 September Thursday Apply form Of loan

2022

[27]
9 September Friday DATA COLLECTION
2022

10 September Saturday Second Saturday

2022 (Holiday)

11 SUNDAY
September (Holiday)
2022
12 MONDAY DATA COLLECTION
September
2022
13 TUESDAY DATA COLLECTION
September
2022
WEDNESDAY DATA COLLECTION
13
September
2022
13 THURSDAY Thanks for all the
September staff co-operation
2022

[28]
 st
1

[29]
 WEEK

16 August 2022 (Day 1)

Firstly I come from branch and meets The Branch Manager of bank. I
introduce myself and I explain the purpose regarding On The Job Training
on The requirement of Programmes.

17 August GANIZATION (Day 2)

Branch manager are assigned me work on present the speech on non
banking customer in the Topic of KYC ( Know Yours Customers ) Norms KYC
is an acronym for “ Know Your Customer” and is a term used for Customer
Identification Process with any financial entity. KYC establishes an investor’s
identity address through relevant supporting document such as prescribed
photo id (PAN card , Aadhar card) and address proof and In Person
verification KYC compliance is mandatory under the prevention of money
Laundering Act,2002 and Rules framed there under SEBI and Anti Money
Laundering (AML) standard.

18 August 2022(Day 3)

[30]
Provide me information on employees job profile and status of WORK IT
Provides the all of information regarding to the whole of work and particular
job status to the individual employees to the branch.

19 August 2022 (Day 4)

I learn that working system of bank and who deal with Audiences. Also learn
that banking Functional & operating Area of scuf.

20 August 2022(Day 5)
I also Learn about how to introduce Yourself in any organization. And some
other behaviour in organizations, Norms and Cultures and Rules of
organization. The objective of Bank provide Finance for number of corporate
bodies, and Financial support of customers, My Work status of week is
Accomplished and I say that it is very important to Know the organization.

21 August 2022 (Day 6)

Today is Sunday holiday

[31]
2nd
WEEK

[32]
22 August 2022 (Day 7)

To gain the Practical Knowledge of Opening a Bank Accounts : This

is the primary and important function of bank employees. Also it is my
objective of how to open a new accounts.

I do the practical work during the training how to open a new bank account In
this stage I follow some steps:

1. Fill up the personal details of customers in application form i.e.

a. Name Address, Contact No etc

23 August 2022 (Day 8)

[33]
Today fill the Deposit form in the branch In the deposit slip is a form
supplied by a bank for a depositor to fill out designed to document
in categories the items included in the deposit transaction.

[34]
24 August 2022 (Day 9)
Today I am fill the Loan Application form and know about how to
manage customers.

[35]
 25 August 2022 (Day10)
Transfer Vouchers are those which are prepared for transactions
not involving cash. Example of these are invoices or bills, Debit and Credit
notes etc.

[36]
 26 August 2022( Day 11)
To next day fill the all loan files and know how to fill any loan file in
NBFC.

[37]
[38]
27 August 2022 (Day 12)
On every last Saturday in the month branch there is a close.

28 August 2022 (Day 13 )

Today is Sunday holiday.

[39]
 rd
3
WEEK

[40]
 29 August 2022 (Day 14)
To fill the gold loan file an know about all things og gold loan.

30 August 2022 (Day 15)

Today i Learn to manage customers and know how to solve customers
problems
31 August 2022 ( Day 17)
To Know how to provide a different types loans by non banks loans is the
another importance of the NBFC . i focus on the loan because I know about
the loan procedures and i am interested to know bank who provide the loan
by customers.

For exp Kisan credit loan, Vehicle loan two Wheeler and Four Wheeler loan ,
consumer loan , house loan, SSI loan .

1 September 2022( Day 18)

I Know about sell products like insurance and fixed deposit etc.

2 September 2022 (Day 19)

I learn about all loan products that I how I can give loan to customers
and rate of interest .
3 September 2022(Day 20)
I am on leave.(Holiday)

[52]
 4th
WEEK
4 September 2022 (Day 21)

[53]
 Prepare the cash Report and How to Cash Dealing

To Achieve the Knowledge About Cash Department : it is a important part or

function of bank because without cash has been no transaction of banking
system. It is also involves the collection , handling, usage and flow Liquidity
. So it is very important to Know about banking cash system.

I do this work in Cash Department with the help cashier Receipts and cashier

5 September 2022 (Day22)

How to use a print an Loan statement.

6 September 2022 (Day 23)

Today to me leave Holiday.

7 September 2022 (Day

24)
To Fill the Application Form For loan
)

8 September 2022( Day25)

Data Collection. We Collect the Data From the customer of the branch.

9 September 2022 (Day 26)

Second Saturday (Holiday)

[55]
 5 th
Week
10 September 2022 (Day 27)

Data Collection
11 September 2022 (Day 28)

Sunday (Holiday)

12 September 2022 (Day 29)

Data collection
13 September 2022 (Day 30)

Data collection
 13 September 2022 (Day 30)

Data collection
14 September 2022 (Day 31)

Data collection
14 September 2022 (Day 31)

Thank you to all their co-operation and for their valuable time.