sukesh 11 presentation.pptx

8/10/2019 Sukesh 11 Presentation.pptx

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A BILLION DOLLAR

COOPERATIVE

CREDIT SOCIETY

PEOPLES MONEY

SHOULD BE

UTILIZED FOR WELL

BEING OF PEOPLE

EVOLUTION OF

SOCIAL BANKING


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1.3BILLION USD BUSINESS MIX.( 6500 crore)

DEPOSITS OF 500 MILLION USD(2800 crore)

CARPORATE BARROWING 170MILLION USD

LENDING OF 450 MILLION USD(2500 crore)

MEMBERS ARE 550000 (HALF MILLION)

AREA OF OPERATION 420000 sq. kilometer

BRANCHES 351

EMPLOYEE 5000


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GOLD LOAN 170 MILL ION USD(at peak 1100crore)

WARE HOUSE LOAN 150 MILL ION USD(at peak 800)

TERM LOAN 70 MILL ION USD(350crore)

CASH CREDIT LOAN 100 MILL ION USD( 600 crore)

FARMERS LOAN 70 MILL ION USD(350 cro re)

OTHER LOANS LIKE PERSONAL LOAN,CROP

LOAN,VEHICLE LOAN,CREDIT CARD DEB IT CARD LOAN

LOAN AGAINST L IC,FD,DEBENTURES AND OTHERINSTUMENTS


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LADDER FORM OF GROWTH

0

500

1000

1500

2000

2500

3000

3500

4000

1998 2005 2008 2011 2014

DEPOSITS

LOANS


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LADDER FORM OF DECLINING NPAS

2

3

4

5

6

7

2 2 6 2 8 2 2 2

NPAS


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Foundation was laid on 15 august

1986

Mr. Radheshyamji Chandak founder

and present chairman nurtured thesociety to present status.

He started with 210 USD only and

with 72 members

Buldana is first branch.

For first five years growth was

sluggish and then it took pace.


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FOUR PILLAR SYSTEMSOCIAL BANKING

FOUR PILLAR SYSTEM :-

Normal cooperative stands on depositors money but buldana

urban has evolved its four pillar system based on principle that

ALL THE MONEY IN WORLD GOES TO BANK

SOCIAL BANKING :-

Principle behind social banking

PEOPLES MONEY SHOULD BE UTILISED FOR WELL BEING

OF PEOPLE


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WE MADE BULDANA URBAN STAND ON FOURPILLAR.

FIRST IS DEPOSITORS MONEY.

SECOND IS REFINANCE BY BANKS ON OURPORTFOLIOS.

THIRD IS DIRECT FINANCING BY BANKS THROUGH

OUR BRANCH AND HUMAN NETWORK.

FOURTH ONE IS SERVICE SECTOR PILLAR THAT

INCLUDES ATM,DEBIT CARDS,TT AND DD

COMMISSION,REVENUE BY BHAKTNIWAS,HOSTELS

AND SCHOOLS.


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FOUR PILLAR

SYSTEM


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FIRST PILLAR- DEPOSITORS MONEY GENERATED BY TRUST OF MEMBERS

MAINTAING TRUST IS AN ISSUE SOLVED BY

TRANSPERENT SYSTEM OF WORK.

CORE BANKING SOLUTION WITH DATA CENTRE.

SMS ALERTS.

PROFESSIONAL MANAGEMENT.

SOCIALLY HELPFUL PROJECT.

DO ALL THINGS THAT ARE NEEDED TO

MEMBERS


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SECOND PILAR-REFINANCE PILLAR

ON OUR VARIOUS PORTFOLIO LIKE GOLD LOAN,WARE HOUSE LOAN,CROP LOAN,TRACTOR LOAN ETC. BANKS GIVE REFINANCE.

BANK OF INDIA HAS GIVE 100 MILLION USD.

UNION BANK HAS GIVEN 50 MILLION USD.

IOB HAS GIVEN 25 MILLION USD.

AND MANY MORE READY TO FINANCE.

. THEY ARE AUTHORISED TO DO MONITORINGAND THEY ARE HAVING FIRST CHARGE.


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THIRD PILLAR-BANK DIRECT FINANCE

BANKS LIKE ICICI,HDFC,YES BANK ARE DIRECTLY

FINANCING USING OUR NETWORK OF BRANCHESAND HUMAN CAPITAL.

THEY ARE USING OUR REACH FOR FINANCINGFARMERS AND MEMBERS.

LOAN DIRECTLY GOES TO THEIR BOOKS.

AROUND 200MILLION USD OF AGREEMENT DONEBY THIS WAY OF FINANCING.


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FOURTH PILLAR-SERVICE SECTOR PILLAR

ATM CARD,DEBIT CARD,PREPAID ATM CARD. T.T. AND D.D. COMMISSION REVENUE FROM HOSTELS,SCHOOLS,IDUSTIRES

ETC. REVENUE FROM BHAKTNIVAS, HOTEL REVENUE FROM CLEANING GRADING MACHINE. REVENUE FROM TOLL ROAD. REVENUE FROM SELLING IDEA RECHARGE

VOUCHES, SOLAR LAMPS REVENUE FROM SELLINNG INSURANCES. REVENUE FROM ADVERTISING. SO ON THESE FOUR PILLARS BULDANA URBAN IS

STADING MORE STROGLY.


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15%

20%

24%

41%

farmer

business

m

service

deprived

and other

41 % of m embers are

farmers


bus inessman


f rom serv ice

sector

15% of m embers are

depr ived and


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urban20%

semiurban30%

rural

50%

Resident ia l distr ib ut ion

50 % of our m embers are

from rural area

30 % of our m embers are

from semi urban area

20 % of our members are

from urban area


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0 to14

26%

15to6054%

above 60

20%

Age distribution AGE DISTRIBUTION

MIDDLE AGE -54%

CHILDREN - 26%

ABOVE 60 - 20%

Male

female

Male -55%

Female-45%


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BULDANA URBAN CREDIT COOPERATIVE SOCIETY HASMORE THAN 300 WARE HOUSES

EACH BRANCH IS CONNECTED WITH WAREHOUSE.

TOTAL AREA OF WAREHOUSES IS AROUND 5 MILLION

SQ.FEET

TOTAL CAPASITY OF WARE HOUSES IS AROUND 450000

MT. TONN

BUSINESS IS AROUND 150 MILLION USD

FARMERS ASSOCIATED WITH WAREHOUSING ARE

AROUND 200000

STAFF OF WAREHOUSE IS WELL TRAINED AND CAN

EASILY IDENTIFY AND RATE THE COMMODITY SO LENDINGCAN BE DONE ON SPOT IN SHORT TIME.

WAREHOUSES ARE CONNECTED WITH SPOT AND FUTURE

EXCHANGES.

WARE HOUSES HELPS FARMERS TO PRESERVE

COMMODITIES AND EARN AS MARKET FLUCTUATES.

BULDANA URBAN WAREHOUSING


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BULDANA URBAN WAREHOUSING

Scientific storage and preservation facility


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Buldana urban has started grain cleaning andpacking project around 10 projects are runningcurrently.

As we all know problem for the poor farmer is tostand in competition with sophisticated urbanplants only because of lack of facilities at hisplace though production of grains by him. Forthat farmer buldana urban has setup a cleaningand packing plant and the packed products arecarried by BUCCS to big market places likeBombay ,Puna etc

Now small rural farmers can have exposure to bigmarkets

CLEANING AND GRADING UNITS


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CLEANING AND GRADING UNITS


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GOLD LOAN PORTFOLIO IS AROUND 150 MILLION USD.

GOLD LOAN IS MAINLY TAKEN BY FARMERS AND POOR

PEOPLE.

GOLD LOAN IS A KIND OF MICROLOAN TO MEMBERS.

GOLD LOAN IS MAINLY USED FOR HEALTH AND OTHER

EMERGENCY PURPOSES.

200000 MEMBERS ARE BENIFITTING FROM GOLD LOAN.

IN INDIA GOLD IS THERE IN EVERY HOUSE HOLD.

SILVER LOAN IS ALSO THERE.

SO IT IS LIKE A MICROFINANACE.

GOLD LOAN PROCEDURE


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GOLD LOAN PROCEDURE


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HOUSING LOAN FOR POOR

PERSONAL LOAN.

EDUCATION LOAN.

INFRASTRUCTURE LOAN.

LOAN ON CREDIT CARD,DEBIT CARD.

CROP LOANS.

INDUSTRIAL LOAN.

NON CONVENTIONAL ENERGY LOAN.


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FARMERS TAKE GOLD LOAN WHILE SEWING, FOR

AREGATION, FOR PESTRISIDE AND OTHER FARMACTIVITIES ETC

THEN AS CROP GROWS HE PUT IT IN OURWAREHOUSES AND GET LOAN AND MAKE GOLD LOANNIL.

AFTER THAT WHEN RATE RISES HE SELL THE CROPAND MAKE WAREHOSE LOAN NIL AND WITHDIFFERENCE OF MONEY HE CAN BUY WHAT HE NEDS.

SUPPOSE THE RATE GOES DOWN HE CAN HOLD THEWAREHOUSE LOAN AND AGAIN PUT GOLD WITH US TOFULFILL HIS NEED SO THAT HE CAN BUY TIME ANDOVER THE PERIOD OF TIME RATE WILL INCREASE.


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BECAUSE OF THESE TWO PRODUCTS AVAILABLE

IN RURAL AREA HE GETS CREDIT IN RURAL AREA.

AND THEN HE SPENDS MONEY IN THE SAME AREASO BUSINEESES IN THAT AREA GROWS

. SUPPOSE HE GETS CREDIT FROM URBAN AREATHEN HE WILL SPEND IT IN URBAN AREA ANDTHERE WILL BE MIGRATION OF MONEY FROMRURAL TO URBAN AREA FOLLOWED BYPOPULATION MIGRATION ALSO.


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Farmer Gold loan production of crop

produce in

warehouseget profit

get the loan on

produce

sell commodity

make gold loan

nilRate will increase

If rate

decreases

TECHNOLOGICAL UPGRADATION


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TECHNOLOGICAL UPGRADATION

Data centre with core banking and ATM facility


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CORE BANKING SOLUTION.

ATM CARD,DEBIT CARD.

MOBILE VALLET AND MOBILE BANKING

INTERNET BANKING REAL TIME MONEY TRANSFER (RTGS)

VIRTUAL ONE TIME CREDIT/DEBIT CARDON MOBILE

ONLINE WAREHOUSING.

AUTOMOTED STACKERS IN WAREHOUSES.

ONLINE MOBILE VAN BANKING.


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ONLINE CHECKING DEPARTMENT.

DAILY CENTRALISED RATE MONITORING OFCOMMODITY.

CALL CENTRE AND TOLL FREE NUMBER.

FAKE GOLD TESTING MACHINE.

LOW POWER CONSUMING COMPUTERS.

VIDEO MONITORING OF BRANCH

VIDEO SURVIVALCE OF WAREHOUSES


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QUARTER SYSTEM FOR MANAGERS

CHEAP VEHICLE LOAN(2W)FOR ALL EMPLOYEE

PENSION FOR ALL EMPLOYEEGRATUTY UPTO 1000000.

HEALTH INSURANCE FOR COMPLETE FAMILY.

LIFE INSURANCE FOR ALL EMPLOYEE.

EDUCATION AND MARRIAGE LOAN TO EMPLOYEE.

HOLIDAY FOR BEST PERFORMING BRACHES


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EMPLOYEES ARE PARTNER OF BUCCS.

10% OF PROFIT GOES TO EMPLOYEE.

MANY PROMOTIONAL SCHEMES ARE THERE TO

ENHANCE PERFORMANCE.

EMPLOYEE KIDS GET THE SCHLOLERSHIPS.

CONCESSION IN OUR SCHOOLS.


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ONCE CAPTURED ,THAT EMPLOYEEAND THE BRANCH GOES OUT OF

SOCIAL SECURITY BASKET.

7 FILTER SYSTEM FOR CHECKING BRANCH MANAGER CHECKING.

REGIONAL MANAGER CHECKING

FLYING SQUAD CHECKING.

INTERNAL AUDITOR CHECKING. FINANCER BANK CHECKING.

STATUTARY AUDITOR CHECKING.

ONLINE CHECKING AT HEAD OFFICE.


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WORLD CLASS SECURITY SYSTEM.

STRONG ROMS AT ALL BRANCHES.

VIDEO RECORDING OF GOLD LOAN CASES

VIDEO SURVIALANCE OF WAREHOUSES.

GOLD TESTING MACHINES HELPS IN IDENTIFYING

FAKE GOLD.

SCANNED DOCUMENTS OF ALL LOAN CASES WITHPROPER CHECKING AT HEAD OFFICE.


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PEOPLES MONEY

SHOULD BE UTIL ISED

FOR WELL BEING OF

PEOPLE


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It is the heart of Buldana urban. In it we do all activities that help society

for making a better place of living. It is totally innovative concept and we

urge all financial institution to follow thesame concept It helps all 550000 members as well as

other peoples. It helps children, young as well as old

people. It helps normal as well as diseased,

educated as well as uneducated ,rural aswell as urban population.

21 schools of buldana urban( 17000 students)


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( )

EDUCATING THE NEXT GENERATION


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Buldana urban is running 21English medium schools with 17000

students are getting education.

These schools are equipped with all modern day facilities and world

class infrastructure.

Students are getting digital education and high class scientific

education. Education of robotics and aerodynamics for the students we are

providing.

We are also trying to give them vocational training also.

We promote tree plantation by asking these students to plant trees

with their names. Poor students of members get concession in these schools.

Presently schools have 300 acre of land.

We used to give students organic food and high protein diet.

World bank has given us soya been milk extraction machine.

Health initiative


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Health and life insurance of 500000 members

Ambulance facility on highways


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We are also working in health related activities byhaving an association with GTZ (German insurance

company) ,united India insurance company to have

concept of health insurance in rural India almost 50000

people are benefitted from health insurance.

We have around 40 ambulances at different places for

serving the people.

We used to organize eye camps ,vaccination camps

and up till now we did health checkups of 100000

people.

Tricycle for the handicap person as a social objective

and loan for micro business that he can do

TRYING TO FULFILL SOCIAL RESPONSIBILITIES


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Adopting children of martyr as these soldiers fight for usso we adopts children of martyr.

Celebrating religious functions with prisoners so thatthese prisoners should not feel that they are totally cut

from society.

Earn and learn scheme- in this buldana urban gives loanfor bicycle to students who has to walk for a longdistance to go to their schools.

Buldana urban also did last rituals of unclaimed bodies.

We use to run cleanliness drive in villages as well astowns.

We also builds toilet blocks in rural area.

BUILDING SOCIAL INFRASTRUCTURE


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Pune hostelBuldana hostel

Old age home

Agriculture laboratory and

Agriculture instrument bank


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Building hostels for members children or for

members in PUNA.

Building hostel for working woman and students in

BULDANA.

Aggregate capacity for hostels is around 700.

Building old age home for old people.

In future number of old people will increase and to

cater their future need we build old age home.


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Formation of agriculture hub and agriculturemall and connectivity center at rural level.

Connectivity to various bourses so that poorrural farmer also can get the benefit of marketprice fluctuation.

Building storage space for FOODCORPORATION OF INDIA.

Give training to rural farmer so that he can dofarming scientifically.

LOW COST HOUSING FOR POOR

LOW COST HOUSEING

FOR 3000 MEMBERS


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COLLECTIVE FARMING OF MEMBERS

FOR 3000 MEMBERS

DEVELOPING RURAL INFRASTRUCTURE


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DONGARKHANDALA VILLAGE

Sustainable, viable, economically self-

sufficient and urbanized village program.

5 kilometer of road infrastructure.

Drainage infrastructure of same length.Cleaning of village program with dustbins

and plastic free village.

Lights on streets.

Developing village infrastructure


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School for around 700

Digital education system

School bus facilityPlanning for technical education

facility in school in afterschool hours.

Farming education by the expert inschool at specific times

PRIMARY AND SECONDARY SCHOOL


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FARMERS TRAINING AND INSTRUMRNT CENTRE


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Innovative spinning meal making yarn

directly from cotton without pressing at

very low cost.

Cleaning and grading unit.Bag packing units.

Warehouse facility for farmers to store

grains.Sustainable pool facility with stored grains

connected to spot exchange

INNOVATIVE LOWCOST SPINNING MILL


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CLEANING AND GRADING UNIT


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Cleanliness drive on salary basis of 21000

per month

10 dollar water filter.

Building of around 1500 toilets incombination with buldana urban and

people.

Promotion of health insurance throughbuldana urban society.

Health checkup camps.

CLEANING DRIVE WITH EMPLOYEE


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10 DOLLAR WATER FILTER AND LOW COST TOILET


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Promotion of smokeless chulha.

Around 10000 tree plantation in

the area.Soil conservation and water

harvesting activities.

Solar power promotion as banksare running on solar power.

Making villages green


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Smokeless chulha Solar power branch

Soil and water conservation


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Self help group supported by buldana urban creditsociety

Making papad, kurdiya and doing stitching.

Around 50 to 60 jobs in spinning mill.

Around 100 jobs in school.

20 to 50 jobs in cleaning and grading unit.

100 jobs in warehousing directly and indirectly


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Helping farmers by providing good quality seeds.

Providing crop loan to farmers.

Providing instrumentation to farmers , education for

modern day farming.

Water conservation, farm pond creation, check dambuilding etc

Providing them warehousing facility.

Connecting them to spot exchanges.

creating supporting environment.


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EDUCATING FARMERS

,PROVIDING CROP LOAN ,

CREATING STORAGE

FACILITY AND MOST

IMPORTANTLY

CONNECTING FARMERS

TO SPOT EXCHANGES TO

GET THE MAXIMUM

BENIFIT


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Along with private developer buldana urban build lowcost housing.

Around 6000 households are getting the benefits,

We are also planning for second stage low housingproject.

At village level buldana urban organizes farmers anddo collective farming of members.

It helps to reduce cost, maximize utilization ofresources as well as modern instruments can be

utilized by every farmer.


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For 5 km length,15 feet road- 6000000

For drainage of same length- 800000

For spinning mill -5000000

For cleaning and grading unit- 800000

For warehouse construction - 5000000

For school construction - 10000000

For agriculture officeand other infrastructure - 10000000

TOTAL -37600000

Building infrastructure for members and generalpeople


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p p

Toll road

Hotel chain Adopted village

Building infrastructure for members and general people


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Buldana urban has build 74 kilometer long road on build

operate and transfer basis.

We collect the toll from vehicles and we got lease period of 20

years.

It helps to create jobs and infrastructure for society.

We also build the hotel in buldana with 3 star facility.

Buldana urban also has adopted a village of 50000 population

and we try to provide urban amenities in rural area, like roads,

potable water, street lights, underground drainage and most

importantly these villages run on alternative energy ,this project

is under implementation.

CARING FOR ENVERONMENT AND PROMOTING GREEN ENERGY


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BIO MASS

&

BIOGASPROJECTS

Solar power


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Buldana urban every year plants 50000 trees all along theareas and also by the side of road.

We have adopted a village of population 50000 and we aretrying to run it on biogas, biomass, solar and windenergy.

We are running 7 of our branches on solar as well as windpower.

We are selling solar lamps in rural area.

We are installing biomass and biogas plants.

Our branches are using computers which are consumingonly 5 watt energy.

We promote loans on electric vehicles.


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Buldana urban did the excavation of existing dam.

Size of the dam is very large and is the mainsource of water supply to city of Buldana.

25 excavators and 1000 tractors help to excavateit.

It increases capacity of dam by 50 million cubiclitter.

Money has been collected by people and of creditunion.

DAM EXCAVATION

WORK GOING ON


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WORK GOING ON

RELIGIOUS ACTIVITIES FOR MEMBERS


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Guest houses at holy places


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INTERNATIONAL

TRAING CENTREAND GUEST HOUSE

AT SHIRDI

VAIDIC SCHOOL AT

BULDANA

Cooperative training centre


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Bolden urban has build 5 guest houses at religiousplaces.

At Tirupati, Mahur, Shirdi, Onkareshwar .

Almost 700 people can be accommodated at these

places.

We provide booking facility at branch level.

Almost 200000 members have benefitted from it.

We are also opening vaidic school to promote Vedas.


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Buldana urban is arranging group tourism for itsmembers.

We had visited around 500 pilgrims to KatmanduNepal.

1000 pilgrim to Tirupati India and

800 pilgrim to vaishnodevi.

Now planning for some other destinations

Buldana urban also builds cow shelters

Presently it has 700 cows

Owning industries and creating jobs


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Pharma company Mineral water plant

Cleaning and grading units Sugar factory(sold)


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SUGAR FACTORY

INJECTION PLANT


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5 million rupees spinning mill


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Buldana urban credit care subsidiary of buldanaurban have stake in pharmaceutical company

manufacturing anticancer drugs.

Company has world class injection facility.

Buldan urban also has mineral water bottling plant.

Every day 10000 bottles can be made.

Buldana urban has cleaning and grading units at

warehouses promotes cleaning of grains.

We also had sugar factory.


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SO LETS COME TOGETHER TO BUILDA BETTER AND WONDERFUL WORLDIN WHICH

PRINCIPLE S OF SOCIAL JUSTICE

WILL BE FOLLOWED AT THE SAMETIME PROMOTION OF INNOVATIONAND ENTERPRENUARSHIP WILL ALSOTAKE PLACE

SO HOPE TOGETHER WE ALL WILLBUILD A BEAUTIFUL WORLD AND ABETTER PLACE OF LIVING.


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Participants from RUSSIA BANGLADESH THAILAND AND NEPAL


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THANKING YOU ALL FORAPRICIATING


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APRICIATING

DR SUKESH ZAMWAR

VICE PRESIDENT GLOBAL YOUTH

COMMITTEECHAIRMAN YOUTH COMMITTEE ICA ( A P)

COORDINATOR ASIAN CONFEDERATION OF

sukesh 11 presentation.pptx

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