Journal Press India^®

Author Details ( * ) denotes Corresponding author

The study primarily focuses on “A Study of Loans and Advances” at The Khanapur Taluka Secondary School Employee’s Co-operative Credit Society Ltd., Khanapur. Banks are considered the backbone of a country’s economy, as a robust banking system is essential for maintaining a healthy economic environment. The main objective of this study is to explore the concept of loans and advances, as well as to examine the innovative schemes offered by the institution. The Loans and Advances section of a bank plays a crucial role in its success, as effective management in this department directly contributes to business growth. If this section operates inefficiently, the bank itself could face financial instability or even bankruptcy. Banks primarily extend loans and advances to traders, businessmen, and industrialists, with the nature of credit varying based on security requirements, disbursement provisions, terms, and conditions. To ensure secure banking practices, commercial banks collaborate closely financial institutions.

Keywords

Loans and Advances, Customer, Term deposit, Rates of interest, Banking

1. Bhandari, D. R. (2003). Banking and insurance. Kathmandu: Aayush Publication.
2. Bishnu Kumar, Adhikary. Non-Performing Loans in the Banking Sector of Bangladesh: Realities and Challenges, 21, p.75–95.
3. Cross, H. D. (1936). Management Policies for Commercial Banks (2 ND ed), Englewood Chiffs: Prentice Hall Ind., N.J.
4. Pandey, I. M. (2000). Financial Management (8th ed). New Delhi: Vikas Publishing House Pvt. Ltd.
5. Radhaswamy. M.; Vasudevan, S. V. (1979). A Text Book of Banking (2nd ed).
6. Shekar, K. C. and Shekar, L. (2000). Banking Theory and Practice (18 th ed), New Delhi: Vikas Publishing House Pvt. Ltd.
7. Singh S. P. and Singh S. (1983). Financial Analysis for Credit Management in Banks New Delhi: Vikas Publishing House Ltd.