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 2020 -2022
Submitted To Submitted By
DEPANSHU
HIMACHAL PARDESH TECHNICAL
PATHANIA
Class: MBA 3rd
UNIVERSITY, HAMIRPUR (HP) semester

University Roll No.21014426006

PREFACE
After The 2nd semester of Master Of Business Administration (MBA)
course, an enterance was sent to SHRIRAM CITY UNION FIN. LTD.
Hamirpur Branch to have a practical exposure on banking activities
under the programs of Industrial traning SCUF is a leading NBFC which
starts in operation from 1974 Through All over india its to silent to
[1]
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 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

DECLARATION
I DEPANSHU PATHANIA student of MBA 3rd semester at GAUTAM INSITIUTE OF
MANAGEMENT & TECNELOGY HAMIRPUR affiliated to Himachal Pradesh 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 30 days work period as on training. The report has
not been published or submitted 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: DEPANSHU PATHANIA

PLACE : GAUTAM INSTITUTE OF MANAGEMENT AND
TECNOLOGY
[2]
 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

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10 Specific Objected 15

11 1.3 Brief Introduction Of Banking

Organization
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 structure of 22

SCUF

21 1.6 SWOT Analysis of SCUF 23

22 Position of Balance Sheet 24

2nd Weekly Practical Report 25-49

24 2.1 1st week 13 September – 19

September

25 2.2 2nd week 20 September -26

September

26 2.3 3rd week 27 September- 3

October

27 2.4 4th week 4 October- 09 October

[4]
28 3rd Recommendation and Conclusion

29 3.1 Overall Experience and Learning 50

Knowledge Gained

30 3.2 Recommendation 51

31 3.3 Summary and Conclusion 52

CHAPTER 1
INTRODUTION [5]
Bake ground the report The term TRAINING IMPLIES Students
participants in any organisation and Trainee for the partial fulfilment
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 organisation”.

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
prepared the fulfilment 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)

[6]
 The Internship program endure for 30 days starting from 16 Aug. to 16 Sep. 2022
Internce has spent 30 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
meaningful to another word collection.

Data and Information collection.

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

Ways of Data Collection

[7]
 1. Primary Data: First time collected data As a interance accumulated from primary
data from

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

30 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 2020-2021.

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.

SCOPE OF STUDY:

[8]
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- banking, So I had
complete this study facinf 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 conceder 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
analysed 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 dedication 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 activityies perform in the credit Finance dept.

C To acquire The Knowledge about the document needed the loan

[9]
 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 organisation 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.

[10]
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.

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 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 Segments:

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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.

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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. 2. Private and Public LTD

companies.

3. HUF and Societies Etc.

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 PRODUCT SCOPE

SCUF a bunch of Products and services to meet they 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 chooses the suitable one from a range of products
which will suit their life stage and needs. For organisation the company
has a host of customised 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 Wheelers Loans

d. New Car Loans

e. Used Car Loans

f. Commercial vehicle Finance

g. Working Capital Finance

h. Construction Finance

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.
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The General body determined the policy of the bank

1. The board of directors

2. The Executive Committee.

3. The managing Director

4. The General Managers.

ADMINISTRATIVE SET UP OF BANK:

1. Board of Director

2 Chairman.

3 Managing Director

4 General Manager

About Branch Office, Hamirpur for the financial year

2020- 2021
Total Number of Employees=9
With designation of Branch Manager Mr. Pankaj Bnayal

Junior Assistant Manager Rahul Kumar

Senior Clerk Abhay Kumar
Cashier Arun

[16]
(Detail of SCUF Bank, Branch Office Hamirpur)

Sr. Particular Amount in Fig (in Amount in

No. Lakh)31/03/2020 fig(in lakh)
31/03/2021

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

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 carried out for a business
venture A swot analysis can be carried out for a project place company
firm or person it internal and external factor that are favourable and
identification.

[17]
 1. STRENGTHS: characteristics of the business or project that give it an
advantages over other.

2. Weakness and characteristics that place company or project at a dis-

advantages over other.

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

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

business project.

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 withdraw 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.

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[19]
CHAPTER 2
WEEKLY
PRACTICAL
WORK
1st WEEK
16 August 2022 Tuesday Firstly, I come Enter in
Branch and Meet the
Branch Manager and Staff
in whole of the
organisation.

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

2nd WEEK

[21]
23 August 2022 Tuesday
To gain the practical
Knowledge of Giving
loan

24 August 2022 Wednesday Today fill the Deposit

slip form in the
Branch

25 August 2022 Thursday Fill Loan

Application Form

26 August 2022 Friday Marketing

27 August 2022 Saturday Fill the loan file

29 August monday Marketing

September Sunday HOLIDAY

2021

3rd WEEK

[22]
27 September Monday I Learn that how to
2021 fill Gold loan file

28 September Tuesday Today i am Learn

2021 To mange
customers

29 September Wednesday To provide

2021 different loans

30 September Thursday I Know About cross

2021 sell produts

1 October 2021 Friday I Learn about

Loan products

2 October 2021 Saturday

Gandhi
Jayenti(Holiday)

[23]
 3 October 2021 Sunday HOLIDAY

4th WEEK
4 October Monday Prepare the cash
2021 report and who cash
to dealing

5 October Tuesday How to print a Loan

2021 statement

6 October Wednesday Leave (Holiday)

2021

7 October Thursday Apply form Of loan

2021

8 October Friday Thanks for all the

2021 staff co-operation

9 October Saturday Second Saturday

2021 (Holiday)

[24]
1st
WEEK
[25]
14 September 2021 (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.

15 September 2021 (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.

16 September 2021(Day 3)
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.

17 September 2021 (Day 4)

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

18 September 2021(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
[26]
Accomplished and I say that it is very important to Know the organization.

19 September 2021 (Day 6)

Today is Sunday holiday

[27]
 2nd
WEEK

20 September 2021 (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

[28]
21 September 2021 (Day 8)
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.

[29]
22 September 2021 (Day 9)
Today I am filling the Loan Application form and know about how to
manage customers.

[30]
 23 September 2021 (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.

[31]
 24 September 2021( Day 11)
To next day fill the all loan files and know how to fill any loan file in
NBFC.

[32]
[33]
25 September 2021 (Day 12)
On every last Saturday in the month branch there is a close.

26 September 2021 (Day 13)

Today is Sunday holiday.

[34]
 3rd

WEEK
[35]
 27 September 2021 (Day 14)
To fill the gold loan file an know about all things
og gold loan.

28 September 2021 (Day 15)

Today I am Learn to manage customers and know how to solve customers
problems
29 September 2021 ( 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.

30 September 2021( Day18)

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

1 October 2021 (Day 19)

I learn about all loan products that I how I can give loan to customers
and rate of interest.
2 OCTOBER
Today is Gandhi Jayenti Holiday.

3 October 2021(Day 21)

Today is Sunday Holiday
 [52]

4th
WEEK
 4 October 2021 (Day 22)

[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 October 2021 (Day23) How to use a print an Loan statement.

6 October 2021(Day24)
Today to me leave Holiday.

7 October 2021(Day25)

) To Fill the Application Form For loan

8 October 2021(Day26)
Thank you to all their co-operation and for their valuable time.

9 October 2021 (Day 27)

Second Saturday (Holiday)

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