16- credit professionals - mobile
TRANSCRIPT
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PUNE ZILA MADHYAVARTISAHKARI BANK
Credit Professional
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Introduction to the Bank
No. of employees ² 8
Head of the Bank ² A M Gurav (Bank Manager)
Services available ²
Savings ² 5000 accounts Current Accounts ² 100 accounts
Loan Facilities - a total of 42 loans issued by the bank Madhyam Muddat (for personal, tractor, pipeline)² 11.5 %
Pick Loan ² 6%
Demand Draft facility Services no available ² Lockers DMAT accounts
All the transactions are currently being computerised.
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A M Gurav ² Bank Manager
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Madhyam Muddat
Total quantity ² Rs. 5 Lakh
Dispensed yearly for 5 years ( 1 lakh per year)
Repayment at 11.5%
Start repayment after 5 years
If not able to repay
Seal the mortgaged property and keep the paperswith the bank
The loan is primarily used for
Tractors , Cars, Jeep, Farm House, Pipelines etc
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Pick Loan
For crops
Tomato ² Rs 18,000 for 1 year
Onion ² Rs 16,000 for 1 year
Sugarcane ² Rs 25,000 for 1 year
At 6 % rate of interest (simple interest)
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Loan chart
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Insurance Schemes
TATA AIG offers insurance scheme for cattle
Reliance was the dominant insurance provider for
the village a year ago
Currently TATA AIG are the dominant players
The others were Bajaj Alliance
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Cattle Insurance Scheme
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Sahakari Society
This society is a co-operative society which lends moneyto a group of farmers for any/all farming activities
They source their funds from the local bank and keep a3% margin for their services
The relationship of the Sahakari society with thevillagers is stronger and more fruitful than the bank.
The villagers put more trust in the Sahakari societybecause they get to skip the paperwork involved in
acquiring a loan The process of repayment is smoother and more
responsible.
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Communication methods
The bank uses the gram adhikari of the panchayat
to inform about the new schemes and procedures of
the bank
The posters are put up in and around the bank in
the local language
There are insurance agents which help communicate
the messages and act as a facilitator The Gram Vikas Sahakari also plays a major role in
the communication channel
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How does the bank look«!
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VILLAGE - HAAT
Segment - Telecom
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Village branding options/exposure
points
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TELECOM SECTOR
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Observations
Good Reach ² Most ofthe people with Mobiles
Good Availability ² In a
Diameter of 700 meters ² 6 stores
Maximum visibility :Airtel
All connections availableapart from Uninor
Market Leader : IDEA
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Food for thought
This store ² Doesn·t keepAirtel coupons at all.
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Even though Airtel wins thevisibility ² Idea is the king.