Industrial Training Report Conducted at

THE KANGRA CENTRAL CO-OPERATIVE

BANK LTD.
A report submitted
In partial fulfillment of the requirements
For the Degree of

Master Of Business Administration

By

Shobhit Thakur
Registration Number: 22015126065

Under the guidance of

Dr. Manish Khanna

To the
SCHOOL OF COMMERCE & MANAGEMENT
HIMACHAL PRADESH TECHNICAL UNIVERSITY
Hamirpur, Distt. Hamirpur – 177001, Himachal Pradesh
Established Under Act No. 16 Of 2010 Of Himachal Pradesh

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INDUSTRIAL TRAINING CERTIFICATE

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 CANDIDATES’DECLARATION

I hereby certify that the work which is being presented in the Industrial Training Report
conducted at “ The Kangra Central Co-Operative Bank Ltd” in partial fulfilment of the
requirements for the award of the Degree of Master of Business Administration in the
department of school of commerce and management studies, Himachal Pradesh Techinical
University, is an authentic record of my own work and learnings carried out during a period from
27 July 2023 to 25 august 2023 under the supervision of Dr.Manish Khanna, Department Co-
Ordinator, School Of Commerce And Management , Himachal Pradesh Technical University
Hamirpur
.
The matter presented in this Industrial Training Report has not been submitted by me for the
award of any other degree of this or any other Institute/University.

Name of student - Shobhit Thakur

This is to certify that the above statement made by the candidate is correct to the best of my
knowledge.

Date: (Dr. Manish Khanna)

Department Co-Ordinator
The Industrial Training Viva-Voce examination of Name of Student has been held
on……………….

Expert outside of Department Expert from the Department Supervisor

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 ACKNOWLEDGMENT

With the sense of gratitude and respect I would like to extend our heartiest thanks to all of those
who provide help and guidance to make this project a great success.

No project is even the outcome of single individual’s talents or efforts.

It has been highly enriching experience to do my training at The Kangra Central Co-operative
Bank Ltd. Pucca Bharoh during 3rd semester for 4-week 2022. It has been possible to achieve the
project blend of valuable experience gained from work place and indispensable Knowledge
gathered from theoretical studies.

I would like to thank my mentor and project- coordinator Dr. Manish Khanna for guiding and
helping me to solve all kinds of queries regarding the project work with his able guidance.

A word acknowledging my whole hearted thanks to all my teachers who give knowledge to me
within 2 years MBA Human resource Management course which are very helpful for me to make
this project.

I must acknowledge special thanks to the management and all employees of KCC Bank who are
directly or indirectly helped me with valuable review, suggestion, moral support for the
completion of my project.

Shobhit Thakur

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 TABLE OF CONTENTS
Sr. No. Content Page Number
1 Industrial Training Certificate I.
2 Candidate’s Declaration II.
3 Acknowledgement III.
4 List of Tables IV.
5 Chapter 1: Introduction
1.1: Need of Industrial Training
1.2: Objectives of Industrial Training
1.3: Scope of Industrial Training
1.4: Time period of Industrial Training
6 Chapter 2: Company
2.1: Company Details
2.1.1: Name and Website
2.1.2: Vision, Mission, Objectives,
2.1.3: Business and Products Mix
2.1.4: Administration and Organization Structure
2.1.5: Headquarter
2.2: Environmental Analysis
2.2.1: Internal Environmental Analysis
2.2.2: External Environmental Analysis
7 Chapter 3: Activities of Various Departments
3.1: Banking operation
3.2: Credit and loan administration
3.3: ustomer services
3.4: marketing and business development
3.5: human resources
3.7: information technology
8 Chapter 4:Keys Learnings out of this Training (weekly basis)
9 Chapter 5: Conclusion
10 Suggestion
11 References

LIST OF TABLES
Table no. Title Page no.
1 Keys Learning Out Of This Training

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 CHAPTER 1 INTRODUCTION

1.1: Need of Industrial Training

Industrial Training must be lived by all finance students aiming to thrive in the industrial sector
should focus on specific areas to bolster their expertise. Essential training includes honing
financial analysis skills, comprehending industry-specific dynamics, and delving into cost
accounting. Additionally, mastering risk management tailored to industrial settings,
understanding capital budgeting for long-term investments, and adeptness in financial modeling
are crucial. Proficiency in regulatory compliance, data analysis tools, and effective
communication skills are equally vital. Practical experiences, internships, or exposure to
industrial finance scenarios are invaluable for applying theoretical knowledge and building
industry connections. Embracing continuous learning to stay abreast of industry trends and
technological advancements remains pivotal for sustained success in this dynamic field.In
addition, this exercise also introduce the students themselves in terms of ability. willingness and
attitude to the employer. This exercise can highlight the ability of students to work hard and to
work with dedication and show a positive attitude to the employer.

This exercise is also important as it can get rid of inferiority complex while a student at the
Polytechnic, but when students are in training it is likely he will meet with. officials of high rank
or attend meetings and provide jobs to foreign workers. Through this exercise, students are able
to handle a problem with wise through experience that has been through this before. The value of
respect for those around him will arise within the student if the student's Industrial Training
heartfelt and sincere. It is hoped that these properties will be sustained in the future.

The conclusion that can be defined on the importance of industrial training are:

• Financial Analysis Skills: Master analyzing statements and ratios.

• Industry-Specific Insight: Gain knowledge about industrial sectors.

• Cost Accounting Expertise: Understand cost structures and budgeting.

• Risk Management Acumen: Learn to handle financial risks unique to industries.

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• Capital Budgeting Know-How: Evaluate long-term investment opportunities.

• Financial Modeling Proficiency: Create tailored industrial financial models.

• Regulatory Compliance Mastery: Understand industry-specific regulations.

• Data Analysis and Tech Savvy: Familiarize with relevant tools and tech.

• Strong Communication Skills: Effectively articulate complex financial concepts.

• Internships and Practical Experience: Apply knowledge in real-world scenarios.

• Continuous Learning: Stay updated with industry trends and advancements.

1.2: Objective of Industrial Training

The purpose of Industrial Training is to expose students to real work of environment experience
and at the same time, to gain the knowledge through hands on observation and job execution.
From the industrial training, the students will also develop skills in work ethics.communication,
management and others. Moreover, this practical training program allows students to relate
theoretical knowledge with its application in the manufacturing industry.

The objectives of industrial training are:

• Skill Enhancement: Develop and refine specific technical skills relevant to the industry
or field of work.

• Real-World Application: Apply theoretical knowledge in practical, industrial settings to

bridge the gap between academia and industry.

• Professional Exposure: Gain firsthand experience in the industry's working

environment, culture, and practices.

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• Industry Understanding: Acquire a comprehensive understanding of industrial
processes, workflows, and operations.

• Problem-Solving Abilities: Enhance problem-solving skills by facing real-time

challenges and finding practical solutions.

• Teamwork and Collaboration: Learn to work effectively in teams and understand the
dynamics of collaborative work within an industrial setting.

• Professional Networking: Build connections and relationships within the industry for
future career prospects.

• Work Ethics and Discipline: Develop a sense of professionalism, time management,

and work discipline in a real work environment.

• Adaptability and Flexibility: Adapt to dynamic and unpredictable situations commonly

encountered in industrial settings.

• Career Insight: Gain insights into potential career paths, roles, and responsibilities
within the industrial domain, aiding in career decision-making.

1.3: Scope of Industrial Training

• Financial Analysis in Industrial Context: Learning to analyze financial statements and

metrics specific to industrial sectors, understanding how financial decisions impact operational
efficiency and profitability.

• Industrial Cost Accounting: Gaining insights into cost structures, budgeting, and cost
control techniques unique to manufacturing or industrial operations.

• Risk Management in Industrial Finance: Understanding and managing financial risks

inherent in industrial sectors, such as supply chain disruptions, commodity price fluctuations, or
regulatory changes.

• Capital Budgeting and Investment Analysis: Evaluating and making decisions about
long-term investment opportunities in industrial projects, such as expansion plans or machinery
purchases.
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• Financial Modeling for Industrial Scenarios: Developing financial models tailored to
industrial settings, projecting cash flows, analyzing scenarios, and assessing investment viability.

• Compliance and Regulatory Finance: Understanding industry-specific financial

regulations, compliance standards, and financial reporting requirements relevant to industrial
sectors.

• FinTech Integration: Embracing financial technologies and data analytics tools specific
to industrial finance for efficient decision-making and risk assessment.

• Mergers, Acquisitions, and Corporate Finance: Exploring financial strategies related

to mergers, acquisitions, and corporate finance within industrial contexts.

• Project Finance and Funding Mechanisms: Understanding project financing methods,

funding mechanisms, and capital structures prevalent in industrial projects.

• Strategic Financial Management: Applying financial strategies to optimize industrial

operations, enhance competitiveness, and drive sustainable growth within the sector.

Here are some key aspects of the scope of industrial training:

• Financial Analysis Techniques: Training in analyzing financial statements, cash flow,

and balance sheets specific to industrial sectors to evaluate the financial health of companies
within these industries.

• Cost Management and Budgeting: Understanding cost structures, budget allocation,

and variance analysis tailored to industrial operations to optimize expenditure and improve
efficiency.

• Risk Assessment and Management: Specialized training in identifying, assessing, and

mitigating financial risks inherent in industrial settings, such as market volatility or operational
risks.

• Capital Investment and Project Finance: Learning the intricacies of capital budgeting,
assessing investment opportunities, and understanding project financing methods relevant to
industrial projects.

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• Compliance and Regulatory Finance: Training to navigate industry-specific financial
regulations, compliance standards, and reporting requirements to ensure legal and financial
adherence.

• Financial Modeling for Industrial Scenarios: Developing models and conducting

scenario analyses specific to industrial sectors to facilitate strategic decision-making and
forecasting.

• Understanding Industrial Valuation: Learning valuation techniques applicable to

industrial assets, companies, or projects, considering factors unique to industrial sectors.

• Mergers, Acquisitions, and Corporate Finance: Exploring financial strategies, deal

structuring, and financial implications in mergers, acquisitions, and corporate restructuring
within industrial contexts.

• Sustainability and Financial Performance: Integrating financial strategies to align with

sustainable practices and understanding how these impact financial performance in industrial
settings.

• Technology Integration in Financial Operations: Familiarization with financial

technologies, software, and data analytics tools used in industrial finance to enhance efficiency
and decision-making processes.

The finance-focused scope of industrial training equips individuals with specialized financial
knowledge tailored to the complexities and nuances of industrial sectors, aiming to prepare them
for key roles within these industries.

1.4: Time Period of Industrial Training

The duration of this Industrial Training Is Four Weeks From 27th July , To 25th
August, 2023

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 CHAPTER 2 : COMPANY PROFILE
2.1: Company Details

2.1.1: Name And Website

 Kangra central co –operative bank ltd.

The Main Branch Along With It Service Branch, Arbitration And The Kangra
Cooperative Bank Ltd. Started In A Humble Way As A Small Thrift/Credit
Society
The Kangra Central Cooperative Bank Limited Is Established In The 17-03-
1920, The Kccb Is A Major Indian Private Bank With Its Headquarters In
Dharamshala. The Bank Has Over 210 Branch The Kccb Provides All The
Financial Services Includes Saving Accounts, Current Account, Deposits, Safe
Deposit Lockers, Personal Loans, Home/Car Loans, Two Wheeler Loans,
Educational Loans, Debit Credit Card . On The Website One Can Easily Pay
Bills, Make Credit Card Payments ,Transfer Funds Access Net Banking And
MuchMore. The Bank Began Operation In 17-03-1920 With A Simple Mission :
To Be A “World-class Indian Bank”. For Queries Complaints Or Other Reach
The Kangra Central Cooperative Bank Limited Customer Care Between 9 A.M
To 6 P.M From Monday To Friday.
It Provides All The Financial Services To Its Customer Like Saving
Deposit, Fixed Deposites, Home Loan , Car Loan, Mobile Banking , Atal
Pension Yojana, Pradhanmantrijandhanyojna , Pradhanmantrijeevanjyoti Bema
Yojana And Many More.

Website: https://www.kccb.in/

 History
The Kangra central co-operative bank ltd. Dharamshala was registered on 18
march 1920. It was established to facilitate the operation of the primary co-
operative societies affiliated with it by raising resources and acting as balancing
centre. It was granted license to open branches and consequently six more

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 branches were added in February , may ,December 1996,june 1998, October
2008 and last in July 2009.In recognition of its outstanding contribution to the
cooperative movement, KCCB has received numerous awards and accolades.
The bank is committed to providing its customers with the best possible banking
experience and to continuing its legacy of service to the people of Kangra.

2.1.2: Vision, Mission, Objectives

Vision:-

We will provide comprehensive and cost effective Banking services to the community with smile

through co-operatives to meet their banking needs.

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  Mission

To strive hard to provide excellent customer services to its clientele.. To promote

trust , faith, confidence and commitment among the staff members to meet the
expectations of the valued customers.

 Objectives

The Kangra Central Co-operative Bank aims to continuously update and develop its
product line and range of services to cater to the needs of retail and corporate customers.
To achieve this goal efforts have been directed in three main areas:

 Design and introduction of New Products and Services.

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  Shaping and developing the system to face new challenges and emerging
need of market.
 Full implementation and utilization of the Bank's excellence program
which aims to provide

2.1.3: Business and product mix

KCCB bank offers a wide range of commercial and transactional banking

services and treasury product to wholesale and retail customers. The bank has
two business sagements.
1. Whole sale banking services:
 Large range of small and mid size and agricultural business.
 Provide commercial and transaction banking services.
 It includes working capital finance, trade services, transaction services,
cash management etc.

 Provide insurance policies in whole customers.

2. Retail banking services

 It provide target market customer a full range of the financial product
and banking services, giving the customer a one stop window for all
banking requirements .
 So as well as provide alternative delivery channels like ATM , mobile
banking ,net banking etc.
Product
KCCB bank ltd offers a bunch of product and services to meet the every need of people.
The company cares for both individuals as well as corporate and small and medium
enterprises . for individual and cards assist the customers. The customer are choose the

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 suitable one from a range of product which will suit their life stage and needs. For
organization the company has a host of customer solution the range from funded services
and non founded services , value addition services, mutual funds etc.

1. Accounts & deposits

i) Saving account
(a) Saving plus account
(b) Regular Saving account
(c) Senior citizen account
(d) Insitutional saving account
(e) Payroll salary account
(f) Pension saving account
(g) Family saving account
(h) Kisan saving acccount
(2) Current account
(i) Plus current account
(ii) Trade current account
(iii) Premium current account
(iv)Regular current account

(v) Max current account

2. Fixed deposit account
1. Regular fixed account
2. Super saver account
3. Sweep In account

4. Safe deposit locker.

3. Loans
(i) Personal loans
(ii) Home loans
(iii) Two wheeler loans
(iv)New car loans

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 (v) Commercial vehicle finance
(vi)Working capital finance
(vii) Construction finance
(viii) Investment and insurance
(ix)Used car loans
4. Cards
1. Silver credit card
2. Gold credit card
3. Other services
5. Other sevices
I. UPI
II. internet banking

2.1.4: Administrative and organizational structure

The management of affairs of the bank shall best as defined in the law in the following
boddies and offices.
The general body shall determine the general policy of the bank

THE BOARD OF DIRECTOR

Sh. Abinash swaroop Sharma
Sh. Ashwani kumar
Sh. Jitender Sharma
Sh. Kashmir singhcaplish
Smt. Sudesh thakur
Sh. Sukh dev sharma
Sh. Ajay kumar Sharma
The Managing Director

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 Sh. Vinod kumar

2.1.5: HEADQUARTER

Dharamshala

(the kangra central co-operative bank ltd.)

2.2: Environmental Analysis

Kccb operates in a dynamic environment that is influenced by various factors. An
environment analysis for kccb would typically involve assessing political, economic, social,
and technological factors. Additionally, environmental sustainability and regulatory
compliance are critical considerations. It’s essential to evaluate how these factors impact
kccb operations, risk management, and overall business strategy.
 Political Factors

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  Economic Factors
 Social Factors
 Technological Factors
 Environmental Sustainability
 Regulatory Compliance
 Global Economics Trend
Competition
Risk management

2.2.1: Internal Environmental Analysis

Internal environmental analysis of the the kangra central co-operative bank ltd. would
involve examining its organizational structure, culture, resources, and capabilities. This
includes evaluating its management practices, employee skill sets, technological
infrastructure, and financial health. Additionally, assessing kccb strengths and weaknesses in
areas such as customer service, product offerings, and innovation would provide insights
into its internal dynamics.
 Organizational Structure
 Corporate culture
 Human Resources
 Financial Health
 Technological Infrastructure
 Operational Efficiency
 Risk Management
 Innovation
 Marketing and Branding
 Customer Service

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2.2.2: External Environment Analysis: -

When it comes to external environmental analysis, State Bank Of India would typically
consider factors like economic conditions, market trends, regulatory changes, and
competition. It helps them understand the opportunities and threats in the external
environment.
 Economic Factors
 Regulatory Enviromental
 Technological Trends
 Social and Cultural Factors
 Political Environment
 Environmental and Sustainability Factors
 Legal Factors
 Competitive Landscape

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 CHAPTER 3: ACTIVITIES OF VARIOUS DEPARTMENTS
Here is a summary of the activities of various departments of the Kangra Central Cooperative
Bank Limited:

1. Banking Operations

 Handles all cash transactions, including deposits, withdrawals, and cheque

clearances.
 Manages customer accounts and provides account statements.
 Processes loan applications and disburses loans.

2.Credit and Loan Administration

 Appraises loan applications and assesses creditworthiness of borrowers.
 Monitors loan accounts and ensures timely repayment of loans.
 Takes action to recover delinquent loans.

3.Customer Service
 Provides customer service and support to all customers.
 Handles customer inquiries, complaints, and requests.
 Resolves customer issues and ensures customer satisfaction.

4.Marketing and Business Development

 Develops and implements marketing strategies to attract new customers and increase
business.
 Develops and maintains relationships with key stakeholders, such as corporate clients and
government agencies.
 Expands the bank's branch network and ATM footprint.

5.Human Resources

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  Recruits, selects, and trains employees.
 Handles employee compensation and benefits.
 Manages employee performance and conducts disciplinary proceedings.

6.Information Technology
 Develops and maintains the bank's IT infrastructure.
 Provides IT support to all departments.
 Implements IT security measures to protect the bank's data and systems.

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 CHAPTER 4: KEYS LEARNING OUT OF THIS TRAINING

Sr. weeks Nature of work done Work learnings How my theoretical

no. assigned knowledge helped me in
doing this work assigned

1 Week1 How to fill different types manager I learned how to This helps me to fill
of voucher talk respectly different type of fill
with the vouchers
customer

2 Week2 Loan notice accountan Here I learned My theoretical knowledge

t that how to send help me to different terms
notice for loan in a loan categories.
account holder

Week3 Opening different types of manager I learn how to Here I use my knowledge
3 new accounts open new bank to fill different account
account like opening forms etc.
saving account
current account

4 Week4 CKYC manger I Learned about The CKYC refer to central

central based KYC (know your
know your customer) an initiative of
customer the govt of india.
verification

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 CHAPTER 5: CONCLUSION

 The project was undertaken to analyze the CUSTOMER STATISFACTION TOWARD

KCC BANK. The study concludes that KCC Bank, which was established for mainly for
the service of rural sector, was almost on the line to its goal.
 But now this bank had developed so much in public sector and makes a good position.
 But there was shortage of staff in some of the KCC banks. Earlier the banking system
was manual which was affecting the business and customer services but now the
computerized system was started which makes the work of the organization easier

 The main reason for which the internee had selected banking field to learn about how
working environment in the bank. The prime objective is to obtain the professional
experience by exposing the corporate culture and implementing the knowledge that has
been learnt.

 In this examation I found that the obligation of kangra central co-operative bank with its
clients is great, since kangra central co-operative bank essentially centers around holding
their clients.

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 SUGGESTION
 Proper posting of the staff should be done.
 Customer's satisfaction must be the top priority of the bank.
 Training of the employees should be there to meet the needs of the time.
 Communication gap within the bank and with the head-office should be reduced.
 Time to Time Update servers.

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 REFERENCES
 https://www.kangrabank.com/
 https://www.slideshare.net/PankajSharma1221/on-the-job-
summer-training-report-2017
 https://chat.openai.com/

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