JANATA SHIKSHANA SAMITI

SHRI MANJUNATHESHWARA INSTITUTE OF UNDER-

GRADUATE & POST-GRADUATE STUDIES, VIDYAGIRI,
DHARWAD – 580004

AFFILIATED TO KARNATAKA UNIVERSITY, DHARWAD

A Project Report
“STUDY 0N AGRICULTURE LOAN WITH REFERENCE To DCCB”
UNDERTAKEN AT

Belagavi District Central Co-operative Bank , Athani.

SUBMITTED BY:

Mr. CHETAN PATIL

U02BF22M0066
BBA FINAL YEAR
A Report submitted in partial fulfillment of the requirement for the award of

BACHELOR OF BUSINESS ADMINISTRATION

EXTERNAL GUIDE: INTERNAL GUIDE:

DR. VEERESH TARALI PROF.N.G.PUDAKALKATTI

MANAGER (DT) OF DAMUL HOD, BBA

1
 JANATA SHIKSHANA SAMITI
SHRI MANJUNATHESHWARA INSTITUTE OF UNDER-
GRADUATE & POST-GRADUATE STUDIES, VIDYAGIRI,
DHARWAD – 580004

AFFILIATED TO KARNATAKA UNIVERSITY, DHARWAD

A Project Report On
“STUDY 0N AGRICULTURE LOAN WITH REFERENCE TO DCCB”
UNDERTAKEN AT

Belagavi District Central Co-operative Bank , Athani.

SUBMITTED BY:

Mr. CHETAN PATIL

U02BF22M0066
BBA FINAL YEAR
A Report submitted in partial fulfillment of the requirement for the award of

BACHELOR OF BUSINESS ADMINISTRATION

EXTERNAL GUIDE: INTERNAL GUIDE:

DR. VEERESH TARALI PROF.N.G.PUDAKALKATTI

MANAGER (DT) OF DAMUL HOD, BBA

2
 I

SEIF DECLARATION

I, Mrs. Chetan Patil (Reg.No.U02BF22MOO66, B.B.A

VI Semester) hereby declare that, the project
entitled “A STUDTY ON AGRICULTURE LOAN REFERENCE
TO BDCC BANK BELGAVI” has been prepared by me
during the year 2025-2026 under the guidance of
Prof. N.G Pudakalkatti. H.O.D Of B.B.A department,
J.S.S college, vidyagiri Dharwad.

This is original work carried out by me and

the same is not submitted to any other University
or Institution for the award of any degree.

Date:
Place : Dharwad Mr. Chetan Patil

3
COMPANY CERTIFICATE

4
 JANATA SHIKSHANA SAMITI
SHRI MANJUNATHESHWARA INSTITUTE OF UNDER-
GRADUATE & POST-GRADUATE STUDIES, VIDYAGIRI,
DHARWAD – 580004

AFFILIATED TO KARNATAKA UNIVERSITY, DHARWAD

A Project Report On
“STUDY 0N AGRICULTURE LOAN WITH REFERENCE TO DCCB”
UNDERTAKEN AT

Belagavi District Central Co-operative Bank , Athani.

SUBMITTED BY:

Mr. CHETAN PATIL

U02BF22M0007
BBA FINAL YEAR
A Report submitted in partial fulfillment of the requirement for the award of

BACHELOR OF BUSINESS ADMINISTRATION

EXTERNAL GUIDE: INTERNAL GUIDE:

DR. VEERESH TARALI PROF.N.G.PUDAKALKATTI

MANAGER (DT) OF DAMUL HOD, BBA

5
 II
ACKNOWLEDGEMENT

The completion and drafting is a solitary task but one which has
been made smoother with the help of many . Here I take this
opportunity to thank those who made a vital contribution in
shaping this study.

I express my deep sense of gratitude to my external

guide Mr. shivaraj Onake Sir and staff members of BDCC Bank
Belagavi, for giving me an opportunity to undergo my internship
project in their organization.

I extend my thanks to our Principal Dr. Ajit Prasad. I extend

my thanks to our B.B.A head of department. I thanks to my all
B.B.A department lecturers for their kind support, guidance and
help throughout the project.

Lastly, I would like to take the pleasure of being

grateful to my family and friends who have been there for me
and have motivated me to do my work with utmost sincerity and
integrity.

6
 III
EXECUTIVE SUMMARY

The District Central Co-operative Bank, Belagavi, established on 17th

December 1918, is a key financial institution operating in the Banking
and Financial Services sector. With over a century of dedicated
service, the bank has played a crucial role in supporting rural and
cooperative banking in the Belagavi region.

Headquartered in Belagavi, Karnataka, the bank functions under

the regulatory framework of the Reserve Bank of India and holds
the licence number RPDC (BG) DCCB 2/2009-10. It is well-integrated into
the national banking network, offering services through its IFSC
code IBKL0101BDC and MICR code 59060951, facilitating smooth digital
and interbank transactions.

The District Central Co-operative Bank continues to be a pillar of

financial inclusion and development for the cooperative
sector in the region.

7
 TABLE OF CONTENTS

SL.NO. TITLE PAGE

NO.

Chapter.1 Introduction to banking sector 9-10

Chapter.2 Introduction to BDCCB Bank 11-18

Chapter.3 Study Methodology 19-21

Chapter.4 Theoretical Background 22-31

Chapter.5 Data Analysis and Interpretation 32-45

Chapter.6 Findings and Suggestions 46-48

Chapter.7 SWOT Analysis 49-51

Chapter.9 Bibliograph

8
 Chapter-1
Introduction to Banking sector

The banking sector is the lifetime of any modern economy.

It is one of the important financial pillars of the financial sector, which
plays a vital role in the functioning of an economy. It is very important
for economic development of a country that its financing requirements
of trade, industry and agriculture are met with higher degree of
commitment and responsibility. In a modern economy, banks are to be
considered not as dealers in money but as the leaders of development.

Meaning of Bank :

A bank is a financial institution licensed to receive deposits and loans.

The term bank is either derived form old Italian word banca or from a
French word banquet both means a bench or money exchange table.

Definition of Bank :

Oxford dictionary defines as “an establishment for custody of money

which it pays out on customer order”.

2.2 : INTRODUCTION TO BANKING

The first bank in India, through conservative, was

established in 1786. From 1786 till today, the journey of Indian banking
system can be segregated into three distinct phases. They are
maintained as follow :

9
 • Early phase from 1986 to 1969 of Indian banks.

• Nationalization of Indian banks and up to 1991 prior to Indian

banking sector reforms.

• New phase of Indian banking system with the advent of financial

and banking sector reforms after 1991.

The oldest bank existence in India is the state bank of India, a

government old bank that traces its origins bank to June 1806 and is the
largest commercial bank in the country. After India’s independence in a
1947, the Reserve Bank of India was nationalized.

India is an Agriculture country and most of the population

resides in the rural area. To Upgrade the living standard of the people in
India, firstly needed coverage sector is Agriculture. The regional rural
Bank act, 1976 was enacted to provide sufficient banking and Credit
facility for Agriculture and other rural sectors. The national Bank for
Agriculture and rural development (NABARD) came into existence in
1982, with the enactment of NABARD act 1981, to promote Agriculture
and rural development.

Agriculture loans in India are offered to various purpose, like

farming and Irritation equipment purchases crops for cultivation and
other Agriculture associated activities. Apart from farmers these loans
are also available to individuals engaged in other Agri-related sectors
like animal husbandry, horticulture, apiculture, aquaculture, silk
farming. and floriculture. Agriculture loans are offered at lower interest
rates compared sectore to other loans Available to individual.

10
 Chapter-2
Introduction to BDCC Bank

2.8 : BANKING FUNCTON

The Belagavi District Central Co-Operative Bank Ltd (BDCC

Bank), established in 1919, is a rural cooperative bank
operating at the district level in Belagavi, Karnataka, primarily
serving the agricultural sector with branches in rural and semi-
urban areas.

11
2.3 : HISTORY

A district Co-operative Central Bank (DCCB) is a Co-operative bank

operating at the district level in various parts if India. It was established
to provide banking to the rural hinterland for the agricultural sector
with the branches primarily established in rural and semi-urban areas.
The banking model consist urban areas. The banking model consist
urban areas. The banking model consists of a district central bank for
each district in every state of India known with a name as a respective
District Central Co-operative Bank. The members and their elected
directors who represent a multitude of professional Co-operative bodies
like milk unions, urban Co-operative, rural Co-operatives, and various
others in turn elect the banks President. These banks are collectively
represented by a State Apex Central Co-operative bank for each state
and it acts as the ultimate bank and apex body for the DCCBs in each
state. It has been widely observed all over the country that the local
politicians who hold the sway over the Co-operatives get elected as
president of the DCC Bank and a president post would mean nurturing
for their future political ambitions. However, this trend, which has
become a national phenomenon, carriers its own advantages and
disadvantages.

License given by Reserve Bank of India (Rural & Credit Department

Regional Office, Bangalore LICENCE NO.RPCD (BG) DCCB, 31/201-2012
Dated : December 26, 2011 (Ref: Licence No. RPDC (BG) DCCB , 2/2009-
10 dated November 18, 2009).

In exercise of the powers conferred on the Reserve Bank o India b

section 22 (1) read with section 56 (1) of the Banking Regulation Act,

12
1949 . The Belagavi DISTRICT Central Co-operative Bank Ltd, Near
Central Bus-stand, Old P.B, Road, Belagavi – 590016 is hereby granted a
licence to commence and carryon Banking businesses, subject to the
following conditions.

a) They are of operation of the bank shall be confirmed only to the

Belagavi District.

b) This License or a certified copy there of shall be displayed at the

registered office of the bank from the day on which it commences
business / date following the receipt thereof.

• MISSION AND VISSION OF DCCB BANK

2.4 : VISION

• Main vision is to become first in customer satisfaction.

• KDCC is committed to work towards building a strong and visible
• co-operative banking and Credit system across the country.
• To provide the training and other support.
• The adoption of all modern technologies for better, fast and
squired services will be priority of the bank in future.
• To work toward eliminating visible weakness and infirmities.

13
MISSION

• To be the top most co-operative bank in the in the country

providing able leadership to the Co-operative structure for
achieving a sustained growth and upliftment of small and
Marginal farmers and rural masses implementing the objectives of
financial inclusion.
• We will consistently exceed customer expectation by providing
value adding solutions through professional and highly motivated
people, delivering excellent Financial performance in all markets
where we operate.

2.8 : BANKING FUNCTON

In today’s modern world, Bank has to perform various types of

functions and services. Some of the basic functions performed by the
DCC Bank Belagavi, are as follows;

1. Accepting deposit account

• Fixed deposit account (<60 age 7% & >7.5%)

• Current deposit account
• Saving deposit account (3.25%)
• Recurring deposit (<60age 7% & >7.5%)
• Special schemes (these schemes are providing by bank, in case of
shortage of fund time bank will collect fund from the customers
by special schemes, with interest rate is 8%. Every December to
March bank offers to special schemes).

14
2. Advancing loan

• Crop loan (Total crop loan is 28 crore with the interest rate is 12%
and 10% interest received by Bank and 2% received by PKPS
Societies under the DCCB bank)
• Housing loan
• Car loan (11%)
• Personal loan (12%)
• Golden loan (10.5%)
• Self-help group loan (12%)
• Mortgage loan (13%)

2.9 : SERVICES PROVIDED BY BANKS

1. Services to the customers

• RTGS (Real Time Gross Settlement)

• NEFT (National Electronic Funds Transfers) facilities.
• Inter banking facilities.
• Kisan credit card.
A kisan credit card is a credit card to provide affordable credit
for farmers in India. It was started by the Government of India, Reserve
Bank of India (RBI), and National Bank for Agriculture and Rural
Development (NABARD) in 1998-99 to help farmers access timely and
adequate credit.

15
2. Services to the employee

• Health insurance to the employees and their family (up to Rs.51

lakh)
• Bank provides Car loan to the employees (up to Rs.101 lakh with
interest 5%)
• Bank provides Housing loan to the employees (up to Rs.25lakh
with interest 3%)
• Bank provides Education loan to the employees and their
children’s.
• Bank declares bonus in the month of Nov -Oct at 23% on
employees gross payment.
• At the festival of Ganesh Chaturthy provides Rs.20,000 advance as
festival ad.

2.10 : BANKING SECTIONS

16
The DCCB bank Belagavi has various section where banking has done.
Some of the Sections are as follows.

• Cash section
• Deposit section
• Loan section
• Recovery section

CASH SECTION

This section concerned with how much cash is received or paid during
daily transaction of business. This section maintains records of inflow
and outflow of cash during regular intervals of time.

DEPOSITE SECTION

This section is concerned with the deposit of the bank. The acceptance
and withdraw of deposit is done through this section.

LOAN SECTION

17
This section deals with issuing of loans it see whether the party to
whom the loan is given is capable of paying it back. i.e. it checks his
credit worthiness. Then they ask the purpose of the loan. If the reason
is genuine, it send to the top management for approved than Loan is
granted to customers an surely basis and security basis.

RECOVERY SECTION

This section ensures the recovery of the debt i.e. , the loan granted by
it, they have to recruit active pleasant staff for this. As they have to
copal the borrower to pay back the loan.
2.11 : COMPETITOR

• KVG Bank
• Bank of India

18
 CHAPTER - 3
STUDY METHEDOLOGY

TITLE OF THE STUDY

“A STUDY ON AGRICULTURE LOAN WITH TO DCCB BANK”

TYPE OF SUDY
Academic and descriptive study

1.2 : OBJECTIVES OF THE STUDY

• To Study agriculture loan at DCC Bank.

• To study the importance of agriculture loan.

• To study the procedure for availing agriculture loan.

• To ascertain the difficulties in availing agricultural loan

• To find out awareness of agricultural loan among farmers.

19
1.3 STATEMENT OF THE PROBLEM

Study has been undertaken in know the feasibility of agriculture

loan with reference to DCC Bank. Agriculture loan is a source to help the
farmers to undertake agricultural activities. But while seeking to credit,
they face problems.

1.4 : SCOPE OF THE STUDY

The study relates to agriculture credit guarantee scheme

provided by the DCC Bank. It also measures the satisfaction level and
attitude of the customer towards services provided by the bank .

1.5 : NEED OF THE STUDY

For the success of every new institution, there should be periodic

appraisal and evaluation of what is being done so that suitable changes
can be make the functioning of the institution more effective.

1.6 : RESEARCH METHODOLOGY

This projected is based on primary data as well as secondary data

A. Primary data
The primary data will be collected for the first for a specific in mind
using the questionnaire method. Questionnaire through personal
contract and telephone calls from randomly selected farmers.

20
B. Secondary data

The secondary will be collected from

• Publication

• Referred Articles

• Reports

• Websites

• SAMPLE SIZE : The sample size consist of agriculture loan 30

customers and the data of DCC Bank. Population of agriculture
loan in DCC Bank is 500 customers. My project Sample size is 30.

• SAMPLING METHOD : The study is based on random sampling

method of systematic sampling where data are classified with
alphabetically, numerically, and chronological order.

1.8 : LIMITATIONS OF THE STUDY

• The scope of the study is limited to DCC Bank Belagavi.

• Some of the respondents are reluctant to give information

regarding their loan

21
 CHAPTER – 4
Theoretical Background of Agriculture loan in India

3.1 : AGRICULTURE LOANS IN INDIA

Agriculture is the backbone of Indian economy and it definitely comes

as no surprise to see financial institution offer monetary aid to farmers
al across the country. Agricultural loans are available for different kinds
of farming – related activities.

One can avail a loan for the following activities related agriculture;

• Running day to day operations.

• Buying farm machineries such as tractors, harvestors, etc.
• Storage purposes.
• Distribution and product marketing loans.
• Of agricultural activities, Etc.

3.2 : CLASSIFICATION OF AGRICULTURAL CREDIT

Agricultural credit may classify into the following ways.

1. Short term credit

2. Medium term credit
3. Long term credit

22
1. SHORT TERM CREDIT

Short term or seasonal credit is granted for the purpose of providing

working capital requirements of the farmers. The period for which this
Type of credit is provided generally ranges from 6 months to 15 months.
According to the All-India Rural Credit review committee, the short term
credit is lump sum credit facility, which is provided to fill up the gap in
outlay which cannot be met by the own resources of farmers during the
Period between two.

2. MEDIUM TERM CREDIT

Medium term credit is the credit required for improvement of land,

purchase of implements, machinery, livestock and conversion of months
but not exceeding 5 years.

3. LONG TERM CREDIT

The long term loans are sanctioned for a longer period of more than 10
years. In some cases, it may also be granted for a period up to 20 years.
Among the various types of uses of long term loans, the principle owns
are ; provision of drainage, reclamation of land and other
improvements.

23
3.3 : SCHEMES FOR AGRICULTURAL LOANS

KISAN CREDIT CARD SCHEMES

The kisan credit card is a scheme launched by the Indian banks back in
1998, as a way to fulfil the financial necessities of the agricultural
sector. This is done by giving monetary support to farmers, which in
turn comes with various features and benefits. The quantum of the loan
depends on several factors like – cost of cultivation, farm maintenance
cost. Etc.

This has been particularly beneficial for those farmers who

are not aware of the banking practices. Moreover, it is meant to protect
farmers from harsh and informal creditors, which may and term in a
massive debt.

The farmers can use the KCC card to withdraw funds for the
purpose of crop protection and domestic requirements.

OTHER SIMILAR TYPES OF AGRICULTURAL LOAN SCHEMES

The NABARD has also helped greatly in developing a couple of

other schemes, targeting specific sectors. A few of them are listed
below

24
• Dairy Entrepreneurship Development Schemes
• Rural Godowns
• Loan Against Warehouse Receipts
• Solar Schemes
• Dairy Entrepreneurship Development Schemes

This scheme is meant to promote the dairy sector, specifically by

setting up modernized dairy farms, promoting calf rearing, provide
infrastructure, upgrading logistical operations to improve the
product on a commercial scale, and generate self-employment.

• Rural Godowns

The main objective of this schemes its to help farmers throught

the country by providing them with go downs. This will, in turn,
improve their holding capacity drastically and as result, they will
be able to sell their produce at fair rates, rather than selling them
under distress. In addition to this, with a nationalized warehouse
system in place, the marketing of agricultural produce becomes
simpler.

• Loan Against Warehouse Receipts

Warehouse receipt financing services as a fool prof way to prevent

distress sales. When a farmer needs funds, post – harvest, all he
has to do is store his produce in a warehousing development and
regulatory authority (WDRA) accredited warehouse, which in turn
issues him a receipt. This warehouse receipt important details like
quality and quantity of the produce, and can be used to get credit
from banks, up to 70% of the Collateral value.

25
 • Solar Schemes

These schemes were implementing in order to reduce

dependence on grid power by promoting the use of solar
equipment. The idea here to replace diesel pumps with Solar
ones, considering that they have low operating costs and are
environment friendly.

3.6 : BENEFITS OF AN AGRICULTURAL FINANCE

Increased micro finance institution (MFI) activities in more difficulty

rural and in financing agriculture, result in increased competition,
higher volume of finance, and a wider range of finance service
available to farmer and their household. The rapid growth of the
agriculture portfolio of MFI such as Bolivia’s PRODOM and cajoles
Andes, and EI Salvador’s capital, Suggested that was significance unmet
demand for financing for agriculture.

MFI can offer credit not just for agriculture but also for non-farm
household, & emergency needs, as well as transfer payment service (if
they are appropriately blackened) increased competition between
financial provides operating in rural area (such as product market credit
providers, money lender, credit unions) can lead to more favorable and
transparent terms of access for the poor. Good practice MIFs can also
bring a commitment to efficiency, transference, in reporting high
portfolio quality and sustainability.

1. The DCCB bank are to be growing needs of the rural poor and
backward section for the community.

26
2. The DCCB bank is to provide an alternatives source of credited to
rural poor to free them the clutches of the money lenders.
3. The DCCB bank provide credit and other facilities to the weaker
section of the community, small farmers, ladles laborers, small &
Other productive activities in the rural areas.
4. to combine the of the rural areas with the social obligation.
5. The DCCB bank provide employment opportunity and development
entrepreneurship.

3.7 : DOCUMENTS TO BE PRODUCED BY THE APPLICANT

1. Certificate copies of records in respects of land owned / leased.

2. NOC / NO due certificate from other financial institution wherever
applicable
3. Two passport size photos.
4. Plan and estimate in respect of construction / drilling / Deering of
wells, proforma Invoice / quotation in case of machine, vehicles, etc.
5. Valuation certificate of the land from component authority / panel
values wherever Applicable.
6. customer KYC is essential.
7. Other documents related to specific schemes.

3.8 : PROCEDURES TO APPLY FOR AGRICULTURE LOAN

27
1. Customer has Saving Account in DCCB Bank.

2. Customer should submit Certificate copies of records in respects of

land owned / Leased at PkPS as well as Bank.
3. Customer should invest share amount @ 12% on loan amount.

CREDIT ASSESSMENT ON AGRICULTURAL LOAN

The project is undertaken at belagavi District Central Co-

operative Bank which highlights the detail study of the credit appraisal
on agriculture loans. The project describes the process of appraising
agriculture loan. There are various factors that to be considered
while evaluating loan application.

Credit appraisal is a process to ascertain the risks associated with the

extension of the credit facility. It is generally carried by the financial
institutions which are involved in providing financial founding to its
customers. Credit risk is a risk related to non-repayment of the credit
obtained by customer of a bank. Thus it is necessary to appraise the
creditability of the customer in order mitigate the credit risk. Proper
evaluation of the customer is performed this measures the financial
condition and the ability of the customer to repay back the loan in
future. Generally, the credit facilities are extended against the security
know as collateral.

But even though the loans are backed by the means of livelihood of
almost two thirds of the work force in the country. It has always been
INDIAS most important economic sector.

28
The monsoon however plays a critical role in Indian agriculture I
determining whether the harvest will be bountiful, average, or poor in
any given year. One of the objectives of government policy in the early
1990’s was to find the methods of reducing this dependence on the
monsoons.

The department of agriculture has a chief role to play in formulating

policies based on crops, seasonal growth and importing technology to
enhance the fertility o soil.

There are special schemes for loans available for farmers. The
government is backing the efforts of many farmers and their families.
Education and newspapers are reaching the rural lands and today’s
farmer is recognized as an important player in providing the basic food
for the entire country.

Agriculture in India is improvising with collaboration in technology

tractors, and also new methods to aid farming. Barren lands are
researched and guidelines for funding the same are being allocated.
Exhibitions on Rabi and Kharif crops and model schemes are allocated
to precisely boost sales and also promote export of local produce.

Rain fed farming, banking loans, education for the farmer are the chief
initiatives by the Government to develop the life of the rural farming
lands. Agriculture is also looked with the motive of maintaining the
ecological balance. Harvest preservation, marketing for agriculture
products and territory market up gradation are some of the plans
followed by the agricultural department of India.

29
It has to be understood that the life a farmer goes beyond tilling and
yielding crops. Their standard of living has to be uplifted by small scale
industries set up which will increase their income. Other facilities like
shelter, drainage system, education and alternative employment will
secure their future. The change is accepted well by farmers as India still
believes in the phrase ‘Jai Jawan Jai Kisan’

NEW SCHEMES FOR FARMERS INTRODUCED BY THE

CENTRAL GOVERNMENT :

• Pradhan Mantri Krishi Sinchal yojana (PMKSY)

Har khet ko pani “PMKSY”

• Paramparagat Krishi Vikas Yojana (PKVY)

An initiative by the NDA government in 2015

• Pradhan Mantri Fasal Bima Yojana (PMFBY)

It is a crop insurance scheme where multiple stakeholders are
integrated on a single platform.

• Gramin Bandara Yojana

Under this, scheme the government aims to provide storage
facilities in rural areas.

• Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY)

30
 This scheme is especially for farmers between the age of 18-40
years. To avail of the benefit of this scheme, the farmer has to
register under the pension fund.

• PM Kisan Samman Nidhi Yojana

The main objective of the scheme is to transfer an amount of
Rupees 6000 to the amount of farmers annually. This scheme is
very helpful to all those small and marginal farmers who need to
buy various farm implements and meet other agriculture
expenses.

• E- NAM
E – NAM is an electronic National Agriculture Marketing portal
that pans India and connects the existing mandis. The purpose is
to create a pan India market for agricultural produce.

• Kisan Credit Card (KCC)

This scheme was launched in 1998 to provide credit facilities to
farmers. The scheme intends to provide enough credit to farmers
for their agriculture expenses.

31
 CHAPTER – 5
DATA ANANLYSIS AND INTERPRETATION

Table no.4.1 Gender distribution of the respondents

Gender of respondents No . of respondents Percentage

Male 29 96.67%
Female 1 3.33%
Total 30 100%

Graph no.1 Gender distribution of the respondent

No of respondents

3%

97% Male
Female

INTERPRETATION

From table 1, it could be seen that 97% of the respondents are males, and remaining 3% are
respondents among the females. The respondents are the 29 are the males and 1 is the female.

32
Table No . 4.2 – Age Distribution of the Respondents

Age of Respondents No of Respondents Percentage

18-20 10 33%
26-40 13 44%
41-60 7 23%
TOTAL 30 100%

Graph No. 2 Age Distribution of the Respondents

Chart Title

14
12
10
8
6
4
2
0

18-25 26-40 41-60

Series 1 Series 2

INTERPRETATION :

From the above table, it is understood that out of 100%

respondents, 10 are 18-25 age group is 33% under the group of
26-40, 44%, remaining 23% respondence in the group of 41-60.

33
Table No. 4.3 – Purpose of taking agricultural Loan.

Particulars No of Respondents Percentage

Land development 6 20%
Cultivation purpose 7 23.33%
Irrigation purpose 5 16.67%
Equipment purpose 12 40%
Total 30 100%

Graph No. 3 – Purpose of taking agricultural loan.

Chart Title

12 12
10
7
8
6 5
6

2 20% 23.33% 16.67% 40%

0
Land development Cultivation purpose Irrigation purpose Equipment purpose

No of respondents
Series 1 Percentage
Series 2

ITERPRETATION :

In the above table all farmers are took loan for development of
agriculture not for other or personal out of which 40% farmers took
loan for equipment purpose and different activities like- land
development, cultivation purpose, irrigation purpose, its 20%, 23.33%,
& 6.675 respectively.
34
Table No. 4.4 – The duration period 0f credit.

Term Respondents Percentage

1-5 years 12 40%
5-10 years 16 53%
10- above 2 7%
Total 30 100%

Graph No 4 – The duration period of credit

16
14 Respondents
12 Percentage
10
8
6
4
2
0
1-5 years 5-10 years 10-above y

Sources : field survey.

INTERPRETATION

In the above table 53% of the farmers are getting a credit

period of 10 years, 40% of the farmer are getting below 5 years
and 7% of the farmers are getting above 10 years of loan.

35
Table No. 4.5 – Financial status
Financial Status No of respondents Percentage
Below poverty line 6 20%
Lower middle class 10 33%
Upper middle class 12 40%
High income class 2 7%
Total 30 100%

Graph No. 5 - Financial status

No of respondents Percentage

Below poverty Lower middle class Upper middle class Category 4

INTERPRETATION :

In the above table 5, it could be seen that 20% of the respondents are
below poverty line, and 33% of the respondents are lower middle
class and remaining 40% of the respondents are upper middle class &
high income group is 7%.

36
 Table NO. 4.7- Bank provides you complete information about
agriculture loan.

Particulars Respondents Percentage

Yes 25 84%
No 5 16%
Total 30 100%

Graph No.7- Bank provides complete information about agriculture loan

Respondents

Interpretation :

From the above table 100% people were been provided the complete
information about agricultural loan in that 84% respondents are says yes
and 16% respondents are saying No.

37
Table No. 4.8- Types of accounts that farmers normally open.

Account Name Frequency Percentage

Saving A/c 26 87%
Current A/C 04 13%
Total 30 100%

Graph No. 8- Types of accounts that farmers normally open.

FREQUENCY

Saving A/C
Current a/c

INTERPRETATION

From the above table 9, that the interest rates are too high for the small and
poor farmers. They are not affordable with the interest rates of the banks. In
this 60% are very interest rate charged by bank, 33.33% medium and
remaining 6.67% are very low.

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Table No. 4.9 – Customer views about the interest rates.

Interest Rates No of respondents Percentage

Very high 18 60%
Medium 10 33.33%
Very low 02 6.67
Total 30 100%

Table No. 4.9- Customers views about the Interest rates.

18
16
14
12
10
8
6
4
2
0
Very low Medium Very low

Series 1 Series 2

INTERPRETATION :

From the above table 9, that the interest rates are too high for the small
and poor farmers. They are not affordable with the interest rates of the
banks. In this 60% are very high interest rate charged by Bank, 33.33%
medium and remaining 6.67% are very low.

39
Table No. 4.10- Know about Agricultural Subsidies.

Particular No of respondents Percentage

Yes 25 83.33%
No 5 16.67%
Total 30 100%

Graph No. 10 – know about Agricultural Subsidies.

No of Respondents

Yes
No

Interpretation :

As majority of people are educated, they are making use of credit

facilities 83% people are aware about agricultural subsidies. And 17%
respondents not aware of these facilities because of lack of
education. So, these people are losing the opportunities of the
facility provided.

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Table No. 4.11 : Source of Income.

Particulars No of Respondents Percentage

Agriculture 16 53.33%
Business 6 20%
Salary 3 10%
Other 5 16.67%
Total 30 100%

Graph No. – Source of Income

No of Respondents
18 Percentage
16 NO
14
No of Respondents
12
10
8
6
4
2
0
Agriculture Business Salary Other

INTERPRETATION :

It is observed that from the above table, most of the farmers are
completely dependent on agriculture income that is 54% whereas
business, Salary, and other income are just 20%, 10%, and 16%.

41
Table No. 4.12- Loan taken from the bank

Particulars No of Respondents Percentage

1 – 5 Lakh 20 66.67%
5 – 10 Lakh 8 26.66%
10 and above 2 6.67%
Total 30 100%

Graph No. 12 – Loan taken from the bank.

25

20

15
Percentage
No of Respondents
10

0
1 - 5 lakh 5 - 10 Lakh 10 and above

INTERPRETATION :

In most of the Bank loans are provided below 5 lakhs but sometimes Banks will
provide above 10 lakhs of loans for technical equipment purchase purpose loan
from the Bank.

42
Table No. 4.13 : Officers treated to customers.

Particulars No of Respondents Percentage

Very Good 22 73.33%
Good 05 16.67%
Average 03 10%
Bad 0 0%
TOTAL 30 100%

Graph No. 13 Officers treated to cstomers.

25

20 No of Respondents
Percentage
15

10

0
Very Good Good Average Bad

INTERPRETATION :

From the above table it is cleared that 73% of people were treated very
good by Bank, 17% of people were treated good where as 10% people
treated average by Bank officers.

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Table No. 4.14 – Satisfaction level of customers.

Opinion No of respondents Percentage

Satisfied 25 83.33%
Highly Satisfied 03 10%
Dissatisfied 02 6.67%
Highly dissatisfied 0 0%
Total 30 100%

Graph No. 14 – Satisfaction level of Customers.

30

25

20
▪ No of Respondents
▪ Percentage
15

10

Satisfied Highly Satisfied Dissatisfied Highly Satisfied

INTERPRETATION :

The above table 15 shows that 83% of the customers are satisfied with the service
provided by Bank, 10% of the customers are highly satisfied and remaining 7% of
the customers are dissatisfied with the Banking services, a non of them are highly
dissatisfied with the banking services.

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Table No 4.15 – Education of respondents.

Level of Education No of respondents Percentage

Illiterate 10 33.33%
Primary 5 16.67%
High school 10 33.33%
PUC 5 16.67%
Total 30 100%

Graph No 15 – Education of respondents.

12

10

illiterate Primary High school PUC

0
No of respondents Percentage

INTERPRETATION :

From the above table 15, it is clearly understood that, 33% of the total
respondents are illiterates & majority of the farmers found to be educated. IT
shows that farmers are updating their agricultural information.

45
 Chapter – 6
FINDINGS AND SUGESTION

FINDING

1 .More then 23% of the respondents are having the age group between 26-40
years
2 . It was found that 90% respondents are made and 10% are female respondence,
it shows that males are involving more in agricultural activities than females.
3 . Most of the farmers are having primary education, which helps to updating the
agricultural information.
4 . 40% of respondents are taken loan for equipment purpose 23% of respondents
for cultivation purpose 20% are Land Development and remaining 17%
respondents are taken loan for irrigation purpose.
5 . The duration period of credit taken by farmers 5 - 10 years was 53%.
6. More than 40% of the farmers having upper middle class financial status.
7 . Most of the farmers are doing enter into the crop markets through middle
man.
8 . It was found that while applying the agricultural loan bank proving all the
necessary information.
9 . More than 87% of the customers having savings account in the DCCB bank
Belgaum.
10 . Many of the respondents are saying the interest rate is changed by bank is
high.
11 . More than 83.33 % of the farmers are having the awareness about
agricultural subsidies and which helps to farmers make use of the government
facilities.
12 . It was found that 54% of respondents occupied agriculture and align activities
as a source of income.

46
13 . Most of the respondents who have a valid agricultural loan are mainly being
concentrated in Belgaum surrounding area as it is most favoured Bank.
14 . More than 67% of the farmers are taken up to 5 lakh agriculture loan.
15 . It was found that most of the customers of dccb banks saying officers are
treating very good, it builds the good relationship among customers and
employees of the bank.
16 . Most of the customers are satisfied with the services provided by DCCB bank.
17 . It was found that dccb bank will not providing online banking facility to its
customers.
18 . It was found that dccb bank will not providing loan directly to the customers
they are providing loans through the co-operative societies (PKPS) which are
under the bank.

SUGGESTIONS / RECOMMENDATIONS

1. They should try to cut down the P charged or interest rates because it is switch
on to the new interest rate as it has become burden for the customers.
2. As the awareness level about the loan bank apps to develop new strategies to
create awareness about the different products of the bank.
3. The bank should be conducting the promotional activities should show the
competitiveness among the market players and even to catch hold its target
segments.
4. The bank should be provided online banking services to their customers which
helps make business activities easily and effectively.
5. The bank should be facilitated debit card, credit cards and ATMs to the
customers.
6. Waiting time for granting loan should be reduced and increases more time to
repayment.
7. Bank manager should analyse every fact of the Service Delivery process and
conduct attribute to ensure that it will not increase inconvenience to the
customers. Therefore, DCCB bank should regularly obtained feedback from the
customers in order to work backward designing new processes or products so that
the will be delivered effectively and efficiently.

47
8. Farmers should access media such as television bank for clearing more queries.
9. The bank can decide appointment of officials at various level to handle
complaints and grievances depending upon its administrative structure / channels
used for delivery of products and services.
10. Cordial treatment should be provided by the officials and they should provide
true and reliable information which is required to the students.

5.3 – CONCLUSION

The agricultural loan scheme is really good for farmers who are
economically weak. and DCCB bank is leading bank for agricultural
finance for rural development. it is doing well in Belagavi. It is
presently comparing other Nationalized Banks and KVG banks. The
extent of Agricultural credit in India is very much inadequate because
agriculture is backbone of our economy and can be used as the most
powerful asset in the country first social responsibility of bank is
realized in the right direction. development of Agricultural sector is
one of the key priorities for all the other sectors as, as all others re
dependent on this sector.

48
 Chapter - 7
SWOT ANALYSIS OF THE BANK

STRENGTH

• The bank has the good image among rural and urban population.
• The bank caters to a wide customer base including individuals,
businessman, Corporate customers etc.
• The bank offers a variety of retail banking services such as current
accounts, Mortgage, Loans, Debit cards, Investments, etc.
• Building long term customer relationship.
• Decent penetration in the rural area.
• Bank has an effective organization structure.
• It has created 86 branches in District.
• It has created 19094 self-help groups.
• Bank is adherence to co-operative values and principles.

WEAKNESS

• The bank has recently closed a lot of its branches and also
terminated its off shore activities.

49
 • Employees skills and growth of the back is slow.
• Lack of technical knowledge.
• Staff of bank lacks the professionalism.
• Bank has less resources as compare to nationalized bank.
• Gigantic field work.
• No internet banking and mobile banking.

OPPORTUNITY

• Expansion in rural areas.

• Government encouraging the finance sector and bank.
• The bank has come up with schemes such as the “Golden Hello”
to win back customers after its 2013 financial crisis.
• The bank should come up with better government and be more
transparent, in order to restore customer confidence in the
processes of the bank.

50
THREATS

• Climate, pests, and volatility of prices are inherent risk in

agriculture finance.
• Farmers are used to subsidized credit from MADE and might find it
difficult to accept a market rate system is the future.
• Nationalized banks also raising their bars and becoming
competitors.
• Small network for operation.

51
 CHAPTER – 8
BIBLIOGRAPHY

Web sites:

https://belagavidccb.com
https://coopertives.gov.in

52
53
Source : field survey

54