Study on Loans and Advances for DCC Bank Main

Abstract

The banking regulations act of India, 1949 defined banking has "Acceptance for the purpose of lending or investment of deposits of money from the public, refund on demand or otherwise and withdraw able cheques, drafts order or otherwise", the major participating of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institution, specialised financial institution and the state level development banks, Non-banking financial (NBFC) and other market intermediaries such as the stock brokers and money lenders are among the oldest of the certain variants of NBFC and the oldest market participants. The FL's on the other hand are relatively new entities in the financial market place. In 1921, all presidency banks were amalgamated to from the establishment of reserve bank of India. It's involved in all type of commercial banking business excepting dealing in foreign exchange. Reserve bank of India act was passed in 1934 and RBI was founded as apex bank without major government ownership, the banking regulations act was passed in 1949, this regulation carried RBI under government control under the act, RBI got wide ranging powers for supervisions and control of banks. The act also vested licensing the powers and authority to conduct inspections.

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 232
Study on Loans and Advances for DCC Bank Main
Branch Nayakaman, Bidar
BHADRAPPA HARALAYYA
HOD and Associate Professor, Department of MBA, Lingaraj Appa Engineering College, Bidar
Abstract- The banking regulations act of India, 1949
defined banking has “Acceptance for the purpose of
lending or investment of deposits of money from the
public, refund on demand or otherwise and withdraw
able cheques, drafts order or otherwise”, the major
participating of the Indian financial system are
commercial banks, the financial institution
encompassing term lending institutions. Investments
institution, specialised financial institution and the
state level development banks, Non-banking
financial (NBFC) and other market intermediaries
such as the stock brokers and money lenders are
among the oldest of the certain variants of NBFC
and the oldest market participants. The FL’s on the
other hand are relatively new entities in the financial
market place. In 1921, all presidency banks were
amalgamated to from the establishment of reserve
bank of India. It’s involved in all type of commercial
banking business excepting dealing in foreign
exchange. Reserve bank of India act was passed in
1934 and RBI was founded as apex bank without
major government ownership, the banking
regulations act was passed in 1949, this regulation
carried RBI under government control under the act,
RBI got wide ranging powers for supervisions and
control of banks. The act also vested licensing the
powers and authority to conduct inspections.
I. INTRODUCTION
Internship is a system of arrangement, requiring a
student to work is in organization for a specific period
of time after completing requisite number of degree
and post-graduate courses. Internship has certain
specific objective such as to.
• Improve a report writing skill
• Apply management knowledge to practice
• Helps to develop plans includes long term and
short-term plans along the financial detail
• To understand the functioning and working
condition of the organization
• Selection of an bank for internship
The organization selected for working in internship
project is DCC BANK main Branch nayakaman Bidar
for fulfillment of requirement of MBA project in
visvesvaraya technological university, belagavi. It is
an opportunity to everyone MBA student for learns the
practical aspects of the bank.
1.1 LOANS AND ADVANCES
A study of financial statement on LOANS AND
ADVANCES for helpful in future days for working in
the any kind of banks of other financial institutions and
understanding of the financial statements of the banks
accounting of bank balance sheet of loans and
advances.
The loans and advances understanding the how to
takes loans for agriculturalist and other self-help group
people and big industries
Understanding of the bank percentage of depending
loans for short term loans and long-term loans
percentage and other requirement documentations
reference and agreement of the loans and advances and
rules and regulation of the district peoples.
Definition of ‘Loans’
The term loans refer to the amount borrowed by one
person from another. The amount is in the nature of
loan and refers to the sum paid to the borrowers. Thus,
from the view point of borrowers, it is borrowing and
from the view point of bank it is a lending.
Advantages of loans and advances:
It takes a finance degree to know that the current
economy is tough. Unemployment rates are still at an
all-time high, and many corporations have gone
insolvent, while others are barely hanging on by a
thread. In fact, in today’s ever changing and flexing
economic climate, business loans are about only

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 233
option small business owners have for obtaining cash
to furthers their companies. With an efficient business
loans, almost any enterprise can see immediate capital
wisely.
Benefits:
Another benefit of receiving a business loans is that, if
the loan is to a company entity, loan will not usually
have to be refunded by the business holder if the
company fails, In the events of failure, the business is
settled, which helps pay back part (sometimes bill) of
the reserves borrowed.
1.2 INDUSTRY PROFILE:
This co-operative society started since from 100 years
ago, these societies are constituent of the Indian
financial statement judge by the role given to them it
is a fulfil their range and therefore the range of
societies they operate of the co-operative. Movement
originated within the west however they have assumed
asian country seldom anyplace else in the world, there
business it has increased in the urban area now a day
and recent year generally due to quick increase in the
number of primary co-operative society.
The co-operative society’s inwards in launch in India
of 20th century as authorized efforts to make a later
type of institute based on principal of co-operative
management, organization, fitting for problems
peculiar to India condition these society’s were
conceive as substitute for cash lender. To provide
timely and adequate short term and long term
institution credit at cheap rules of interest. Within the
formative stage co-operative societies rub on basis and
their disposal activities were restricted to meeting to
the credit demand of their member the idea of urban
co-operative society was first spelt out Mehta Bansali
committee 1939 which outline on urban co-operative
society, provision of choice five(CCV) of society in
regulation act 1949 as applicable to given duke of
Edinburgh economy boom urban society in sector
received to remainder boost at began diversifying its
credit portfolio besides.
1.3 COMPANY PROFILE:
It was in the 1921 when some co-operative of Bidar
district, having full faith in the philosophy of co-
operation central facilities for all farmer, at that time
bidar district was under the regime of NIZAM of
Hyderabad state.
After re-organization of state the bank opened its first
branch at Basavakalyan& than at aurad&Humanabad
the activities of the bank have gradually increase
therein which can be form statement branches
covering all the revenue circle.
The RBI granted the license to only 3 DCC bank in
Karnataka on the basis of their achievement. Bidar
DCC bank in one among & its license no. RPCD BG
83.C dated 15 july 1998.
• The co-operative movement in the bidar district
The co-operative movement was started in the british
period with an objective to encourage thrift, self-
help& co-operation among agriculturalists, artisans &
person of limited means. Commercial bank RRBS &
co-operative institution in india have made
considerable impact on economic in rural area by
providing credit to farming and non-forming families
but still large number of poor families in rural area
depended on informal credit agencies due to non-
availability of adequate & timely credit on account of
unsuitable systems & procedure rigid rules & security
oriented lending system of banks. This is more so in
the case of co-operative credit institution having
centralized lending processes. Mostly land credit to
those families. Having lands or other securities.
To overcome these problem & with a view to help
families, some co-operator of bidar district who had
faith in the co-operation philosophy, started district
central co-operative bank.
II. THEORETICAL BACKGROUND OF THE
STUDY
Definition of ‘Loans’
The act of giving money, property or other material
goods to another party in exchange for future
repayment of the principal along with interest or other
finance charges.
Definition of ‘Advance’
The maximum percentage of the value of a collateral
that a lender is willing to extend for a loan. The

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 234
advance rate helps a borrower determine what kind of
collateral to bring to the table in order to secure the
desired loan amount, and helps minimize a lender’s
loss exposure when accepting collateral that can
fluctuate in value.
Banking system occupied an imported place in a
nation’s economy. Banking intuitions are
indispensable in a modern society. It plays role in the
economic development of a country and forms the
money market in an advanced country.
The development of ‘banking’ is evolutionary in
nature. Theories no single answer to the question of
what is banking. Because a bank performs a multitude
of functions and services which cannot be
comprehended into a single definition. For a conman
man, a bank means a store house of money, for a
business it is an institution of financial and for a
worker it may be a depository for his savings.
TYPES OF LOANS:
• SHORT-TERM LOANS:
In the case of loans given to members of societies for
seasonal agriculture operation, the period of
repayment shall be limited to marketing of the crops
subject to maximum on year. In case of short-term
loans givens to member of societies for other purpose
approved by the register the period of repayment shall
not exceed one year.
• MEDIUM-TERM LOANS:
In the case of midterm loans, the period shall not
exceed three years provident that the period of loans
may be enhanced in respect of government’s loans
from NABARD or other agency analysed through the
bank for specific purpose as may be communicate by
the financing agencies or the register of co-operative
societies from time to time.
LOAN-TERM LOANS:
In this case the period of loans shall be 9 to 15 years
for the approved schemes of NABARD/MCD/IDBI or
other agencies as per their conditions stipulated from
time to time.
It may be explained in brief, as “banking is what a
bank does” but it is not clear enough to understand the
subject in full. the oxford dictionary defines a bank as
“an establishment for the custody of money which
pays out on a customer’s order.” But this definition is
not also enough it considers the DCC bank loans and
advance payment let us briefly trace the evolution of
banking.
III. RESEARCH DESIGN
3.1 STATEMENT OF THE PROBLEM
• To find out the need of the customer and advanced
communicated the strategy to level the economy in
the society.
• How the products are facilitating the customer.
• To find out that what is speaker way for offered
advance product.
3.2 NEED FOR THE STUDY:
• The education has great signification and provides
will benefits to various students who have work
hardly or directly indirectly interact with banks
• It is a beneficial to management of the banks or
companies by providing crystal clear pictures
• Regarding important aspects like profit and losses
of bank balance sheet and Profitability
• The study is also beneficial to employees and
offers motivations by showing how activity they
Are contributing for company profit
• The depositors who are interested in depositing
money for choose banks expected of the interest
depending one bank percentage will also get a
beneficial by going through to study and can easily
take a decision whether invest or not to invest in
the money for bank.
3.3 OBJECTIVE OF THE STUDY:
• To know about the working of the bank.
• To study the loans & advances in DCC Bank.
• To study the match difference between the five
years. And three years
• To study the loans and advances profit, deposits,
and advances, (SHG) members And working in
capital share capital of the DCC bank.
To identified the NABARD sanctioned short-term
and medium–term loans.
• To know the borrowing of the DCC Bank.
• To know the statutory and other reserve.

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3.4 SCOPE OF THE STUDY:
• The scope the study concerned with to the DCC
BANK.
• The present study “ANALYSIS ON LOANS AND
ADVANCES” is empirical and description in
nature.
• The study title is loans and advances on main
branch DCC Bank bidar. Based on the data and
information given by the DCC Bank.
• The study is limited only to DCC bank Bidar
branch and considered only that branch activities.
3.5 RESEARCH METHODOLOGY:
Data collection is a most important aspect of any
research the complete result depends on the data
collected and information processed later. The
methodology adopted by me to collect the data is
through primary and secondary data, will be helpful
for final interpretation.
Primary data
Primary data was firstly collected data from annual
report of the banks and register for investors. To gain
more about the loans and advances rules and
regulation and methods and other more information,
discussion were had with the officials which provides
helpful data collection, books and general banking
information annual report, etc
Secondary data
Secondary data based on the loans and advances were
prepare, to know the financial position different rate of
interest based on loans imported finding were noted.
The information is collected through secondary
sources during the project. That information was
utilized for calculating performance of based on the
interest rate interpenetration were made.
IV. ANALYSIS AND INTERPRETATION OF
THE DATA
1. Loans and advances outstanding analysis
(Rs in lacks)
INTERPRETATION:
The data analysis from the diagram it is analysis that
the loans and advances outstanding differences
amount is
2013-2014 39,167.98 2014-2015 4,18,11.4
2015-2016 4,164.04 2016-2017 10,778.32 (Rs in
lacks)
2. Paid up share capital of the DCC Bank of six years
calculation
(Rs in lacks)
Year
Amount
Differenc
es
Percentag
e%
2013
5017.73
---
12.7%
2014
6164.72
1146.99
15.61%
2015
8615.03
2450.31
21.81%
Year
Amount
Differenc
es
Percentage
%
2013
87971.17
---
11.55%
2014
127139.6
9
39,167.98
16.70%
2015
168951.0
9
4,18,11.4
22.19%
2016
18311.13
14,164.04
24.06%
2017
193893.4
5
10,778.32
25.47%
Total
76,107,1.
07
100%

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2016
9544.75
929.72
24.17%
2017
10144.71
599.96
25.6%
Total
39,486.94
100%
Interpretation:
From the above diagram, it is analyzed that the loans
and advances outstanding difference amount is
2013-2014 1146.99 2014-2015 2450.31
2015-2016 929.72 2016-2017 599.96
(Rs in Lacks)
3. Net profit of the DCC bank for the five years
(Rs in lacks)
Year
Amount
Difference
s
Percentage
%
2013
442.46
----
16.04%
2014
513.35
708.9
18.62%
2015
555.33
41.98
20.14%
2016
598.03
42.7
21.69%
2017
647.75
49.72
23.49%
total
2756.92
100%
Interpretation:
From the above diagram, it is analyzed that the net
profit of the DCC bank for the five years difference
amount between each two year.
2013-2014 708.9 2014-2015 41.98
2015-2016 42.7 2016-2017 49.72 (Rs in lacks)
4. Borrowing of DCC bank
(RS in lacks)
Interpretation:
From the above diagram it is analyzed that the
borrowers of the DCC bank for five years the
difference amount of each showing the performance.
2013-2014 8,672.37 2014-2015 28,97,5.64
2015-2016 345.25 2016-2017 9,260.44 (Rs in
loans)
5. Working capital of DCC bank the five years
calculated
(Rs in lacks)
Year
Amount
Difference
Percentage
%
2013
53,501.78
---
13.27%
2014
62,17,4.15
8,672.37
15.42%
2015
91,14,9.79
28,97,5.64
22.61%
2016
93,49,5.04
2,345.25
23.19%
2017
10,275,5.48
9,260.44
25.49%
Total
40,304,9.24
100%

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 237
Interpretation:
From the above diagram, it is analysed that the
working capital of DCC bank for the showing of five
years performance for two years difference amount.
2013-2014 23,546.81 2014-2015 48,220.84
2015-2016 16,530.81 2016-2017 23,964.32 (Rs
in lacks)
6. Self Help Group of the DCC bank
(Rs in lacks)
Year
Amount
Difference
s
percentage
%
2013
1,976,9
---
17.71%
2014
2,109,2
1,323
18.90%
2015
2,241,9
1,37.7
20.09%
2016
2,362,0
1,201
21.16%
2017
4,467,4
1,054
22.11%
Total
111,574
100%
Interpretation:
From the above diagram it is analysis that the (SHA)
Self Group of the DCC bank the year wise
performance will de increases for more useful in rural
and villages for 15 to 20 members are join in the group.
For 2012 performance in 17.71% but 2016
performance 22.11%
2013-2014 1,323 2014-2015 1,32.7
2015-2016 1,201 2016-2017 1,054
7. Statutory and other reserves for the DCC bank for
the five years calculations
(Rs in lacks)
Year
Amount
Differences
Percentage
%
2013
9,283.25
---
13.54%
2014
10,376026
1,138.01
15.21%
2015
1,118,7.01
8,10.75
16.40%
2016
13,507,03
2,320.02
19.80%
2017
23,894.76
10,387.73
35.03%
Total
68,203.31
100%
Interpretation:
From the above diagram, it is analysed that the
statutory and other reserve for the DCC bank 2012-
Years
Amount
Differenc
e
Percentag
e%
2013
1,51,152.45
---
14.37%
2014
1,74,717.26
23,564.81
16.61%
2015
2,22,938.10
48,220.84
21.19%
2016
2,39,468.91
16,530.81
22.76%
2017
2,63,433.23
23,964.32
25.04%
Total
1,051,709.9
5
100%

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 238
2016 calculation for each year difference amount
calculated
2013-2014 Rs 1,138.01 2014-2015 RRs. 10.75
2015-2016 Rs 2,320.02 and 2016-2017 Rs.
10,387.73 in lacks
8. Consumer Deposits of the DCC bank Analysis
(Rs in lacks)
Year
Amount
Differences
Percentage
%
2013
79,187.81
---
14.93%
2014
91,992.08
12,804.27
17.34%
2015
10,792,2.25
15,935.17
20.35%
2016
11,947,0
11,544.66
22.53%
2017
13,165,6.57
12,185.66
24.82%
Total
530,233.62
100%
Interpretation:
From the above diagram it is analysed that the
consumers deposits of the DCC bank difference
amount is
2013-2014 Rs 12,804.274 2014-2015 Rs 15,934.17
2015-2016 Rs 11,544.66 2016-2017 Rs 12,185.66
( Rs in lack’s)
9. Investment in DCC bank
(Rs in lacks)
Year
Amount
Differenc
es
Percentage
s %
2013
36,327.25
-----
17,745%
2014
35,467.05
860.2
17.32%
2015
38,540.31
3,073.26
18.82%
2016
43,753.64
5,213.33
21.37%
2017
50,592.04
6,838.4
24.71%
Total
204,680.2
9
100%
Interpretation:
From the above diagram it is analysed that the
investments in DCC bank for five years showing the
each two years difference amount.
2013-2014 Rs 860.2 2014-2015 Rs 3,073.26
2015-2016 Rs 5,213.33 & 2016-2017 Rs 6,838.4 (Rs
in lack’s)
The NABARD is to sanction the loan of short term, &
medium-term loan
10. NABARD sanctioned for short-term loans
(Rs in lacks)
Year
Amount
Differenc
es
Percenta
ge %
2014-2015
62,213.57
----
33.25%
2015-2016
55,635.64
6,577.93
29.73%
2016-2017
69,241.00
13,605.36
37.0%
Total
187,090.2
1
100%
Interpretation:

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 239
From the above diagram it is analysed NABARD
sanctioned agriculture loans for the short-term loans
for the development of the agriculture field.
For three years performance 2014-2017. 2014-2016
difference amount 6,577.93 and 2016-2017 difference
amount 13,605.36
11. NABARD sanctioned Medium-term loans
(Rs in lacks)
year
Amount
Differences
Percenta
ge %
2014-2015
26,472.22
----
35.0%
2015-2016
23,933.47
2,538.76
31.73%
2016-2017
25,014.48
1,081.01
33.16%
Total
75420.17
100%
Interpretation:
From the above diagram, it is anlysed that NABARD
sanctioned of the medium-term loans for the three
years performance. And 2015-2016 difference amount
is 2,538.76 and 2016-2017 difference amount is
1,081.01 4.8Medium term agricultural loans of the
detail of advances made for agricultural operation
during the year 2013-2014, 2014-2015, 2015-2016 as
given below (Rs in lacks)
V. FINDINGS
• Advances through the learning period. This has
improved the risk to risk to get more profitability.
• The importance are a loans & advances is
increased in rate at the trend this loan controls the
banks in better performance.
• Unsecured loans have also been increase in at a
better rate this has ecormous increase the risk of
the bank since there is no security.
• Loans protected by govt or bank securities is
increasing during the study period this is a
protected investment which prevents the bank from
untoward events.
• Bank loan outside India is increasing regularly
with moderate fluctuation. This increases the risks
in term of country forex risk.
VI. SUGGESTIONS
• DCC Bank accepted only print media for
advertisement; it should go for television
Advertisement for generating responsiveness
between rate.
• Bank should capture the competitors (like SBM,
SBH, SBI etc) marketed by coming out with better
service and offers
• The bank should approve the online facility to the
new and old customer
• Many of the employees/customer need ATM
facilities in the bank.
• So the bank should provide it shortly.
• Biometrics should be introduced.
• Usage of new knowledge on increased scale.
• Control on NPA’s to be continued.
• Simply & explain the loan sanction procedure.
Bank can tie up with education institution for growing
teaching loan segment. Because bidar has lot of
education institution, catering education wants
medicine, PG courses for MBA, MSc, etc and
engineering management,
CONCLUSION
Such has loans and advances as are granted by banking
company to its whole-time director for the purpose of
purchasing furniture, car, personal computer or
constrictions / acquiring house for personal use,
festival advance with the prior approval of RBI and on
such term & conditions as may be stipulated by it IDBI
(industrial Development Bank of India) as bank quit
often deal with private company’s disclosure
requirements for such companies above a explicit
income may be made like to those for registered

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IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 240
company’s viz. Joined balance sheet; segmental
reportage etc. information on large shareholding also
will be useful. The company has made loans and
investments or given promises or providing safeties to
other business objects as detailed in annexure. And has
complied with the provisions of the companies act,
1956. Loan application forms in respect of all
categories of loans irrespective of the amount of loan
sought by the borrower should be comprehensive.
With a view to bringing in fairness and transparency,
bank are advised that they must transparently disclose
to the borrower all information about fees/ charges
payable for processing the loan application, the
amount of fees refundable if loan amount is not
sanctioned / disbursed, pre-payments options and
charges, if any, penalty for delayed repayments if any,
conversion charges for switching loan from fixed to
floating rates or vice versa, existence of any interest of
the borrower. Such information should also be
displayed on the website of the banks for all categories
of loan products.
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no.1 - 6, , Available
:http://www.ijsdr.org/papers/IJSDR2106001.pdf
[8] BHADRAPPA HARALAYYA, P.S.AITHAL,
STUDY ON PRODUCTIVE EFFICIENCY OF
FINANCIAL INSTITUTIONS, International
Journal of Innovative Research in Technology,
Volume 8, Issue 1, June-2021 ,Page no: 159 –
164, Available:
http://ijirt.org/master/publishedpaper/IJIRT1515
14_PAPER.pdf
[9] BHADRAPPA HARALAYYA , STUDY OF
BANKING SERVICES PROVIDED BY
BANKS IN INDIA, International Research
Journal of Humanities and Interdisciplinary
Studies (www.irjhis.com), Volume: 2, Issue: 6,
Year: June 2021,Page No : 06-12, Available at :
http://irjhis.com/paper/IRJHIS2106002.pdf.
[10] BHADRAPPA HARALAYYA, P.S.AITHAL ,
ANALYSIS OF BANK PERFORMANCE
USING CAMEL APPROACH", International

© JUN 2021 | IRE Journals | Volume 4 Issue 12 | ISSN: 2456-8880
IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 241
Journal of Emerging Technologies and
Innovative Research (www.jetir.org | UGC and
issn Approved), Vol.8, Issue 5, May-2021, page
no 305-314, Available at :
http://www.jetir.org/papers/JETIR2105840.pdf
[11] BHADRAPPA HARALAYYA, P.S.AITHAL,
ANALYSIS OF BANK PRODUCTIVITY
USING PANEL CAUSALITY TEST, Journal of
Huazhong University of Science and
Technology, Volume 50, Issue 6, June-2021 ,
Page no: 1 – 16, Available at:
https://app.box.com/s/o71lh776opeypauvzucp9e
sntjwur9zf
[12] BHADRAPPA HARALAYYA, P.S.AITHAL,
INTER BANK ANALYSIS OF COST
EFFICIENCY USING MEAN, International
Journal of Innovative Research in Science,
Engineering and Technology (IJIRSET),
Volume 10, Issue 6, June-2021 ,Page no: 6391-
6397, Available at:
http://www.ijirset.com/upload/2021/june/97_IN
TER_NC1.pdf
[13] BHADRAPPA HARALAYYA, P.S.AITHAL ,
ANALYSIS OF TOTAL FACTOR
PRODUCTIVITYAND PROFITABILITY
MATRIX OF BANKS BY HMTFP AND
FPTFP, Science, Technology and Development
Journal, Volume 10, Issue 6, June-2021, Page
no: 190-203, Available at:
http://journalstd.com/gallery/23-june2021.pdf
[14] BHADRAPPA HARALAYYA, P.S.AITHAL ,
ANALYSIS OF BANKS TOTAL FACTOR
PRODUCTIVITY BY AGGREGATE LEVEL,
Journal of Xi'an University of Architecture &
Technology, Volume 13, Issue 6, June- 2021
,Page no: 296-314, available at:
https://www.xajzkjdx.cn/gallery/28-
june2021.pdf
[15] Bhadrappa Haralayya, P S Aithal, "ANALYSIS
OF BANKS TOTAL FACTOR
PRODUCTIVITY BY DISAGGREGATE
LEVEL", International Journal of Creative
Research Thoughts (IJCRT), Volume.9, Issue 6,
June 2021, pp.b488-b502, Available at
:http://www.ijcrt.org/papers/IJCRT2106187.pdf
[16] Haralayya B. Importance of CRM in Banking
and Financial Sectors Journal of Advanced
Research in Quality Control and Management
2021, 6(1): 8-9
[17] Haralayya B. How Digital Banking has Brought
Innovative Products and Services to India.
Journal of Advanced Research in Quality Control
and Management 2021; 6(1): 16-18
[18] Haralayya B. Top 5 Priorities That will Shape
The Future of Retail Banking Industry in India.
Journal of Advanced Research in HR and
Organizational Management 2021; 8(1&2): 17-
18.
[19] Haralayya B. Millennials and Mobile-Savvy
Consumers are Driving a Huge Shift in The
Retail Banking Industry. Journal of Advanced
Research in Operational and Marketing
Management 2021; 4(1): 17-19
[20] Haralayya B. Core Banking Technology and Its
Top 6 Implementation Challenges. Journal of
Advanced Research in Operational and
Marketing Management 2021; 4(1): 25-27
[21] Nitesh S Vibhute ; Dr. Chandrakant B. Jewargi ;
Dr. Bhadrappa Haralayya . "Study on Non-
Performing Assets of Public Sector Banks"
Iconic Research And Engineering Journals
Volume 4, Issue, 12 June 2021, Page 52-61
Available at
https://irejournals.com/formatedpaper/1702767.
pdf
[22] Haralayya, Dr. Bhadrappa and Saini, Shrawan
Kumar, An Overview on Productive Efficiency
of Banks & Financial Institution (2018).
International Journal of Research, Volume 05
Issue 12, April 2018, Available at SSRN:
https://ssrn.com/abstract=3837503
[23] Haralayya, Dr. Bhadrappa, Review on the
Productive Efficiency of Banks in Developing
Country (2018). Journal for Studies in
Management and Planning, Volume 04 Issue 05,
April 2018, Available at SSRN:
https://ssrn.com/abstract=3837496
[24] Basha, Jeelan and Haralayya, Dr. Bhadrappa,
Performance Analysis of Financial Ratios -
Indian Public Non-Life Insurance Sector (April
30, 2021). Available at SSRN:
https://ssrn.com/abstract=3837465.
[25] Haralayya, Dr. Bhadrappa, The Productive
Efficiency of Banks in Developing Country With

© JUN 2021 | IRE Journals | Volume 4 Issue 12 | ISSN: 2456-8880
IRE 1702798 ICONIC RESEARCH AND ENGINEERING JOURNALS 242
Special Reference to Banks & Financial
Institution (april 30, 2019). Available at SSRN:
https://ssrn.com/abstract=3844432 or
http://dx.doi.org/10.2139/ssrn.3844432
[26] Haralayya, Dr. Bhadrappa, Study on
Performance of Foreign Banks in India (APRIL
2, 2016). Available at SSRN:
https://ssrn.com/abstract=3844403 or
http://dx.doi.org/10.2139/ssrn.3844403
[27] Haralayya, Dr. Bhadrappa, E-Finance and the
Financial Services Industry (MARCH 28, 2014).
Available at SSRN:
https://ssrn.com/abstract=3844405 or
http://dx.doi.org/10.2139/ssrn.3844405
[28] Haralayya, Dr. Bhadrappa, E-payment - An
Overview (MARCH 28, 2014). Available at
SSRN: https://ssrn.com/abstract=3844409 or
http://dx.doi.org/10.2139/ssrn.3844409.