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A STUDY ON FARMERS SATISFACTION ON

PRATHMA BANKS KISAN CREDIT CARDS IN

MORADABAD

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INTRODUCTION

This project is based on the survey, which was done in the Moradabad city. The main

aim of the survey to find out and to analysis the customer satisfaction level of farmers

on Prathma Banks Kisan Credit Cards. We have covered almost all the aspects, whichare related to the Kishan Credit Card in Moradabad. The project report will help those

entire person, which want to get the benefits of all such cards. The bank profile and

credit card details is given in the beginning of the report the data have been collected

by help of questionnaire, which is given in the report. The collected data have been

analyzed and shown in the form of graph.

the card can be used like an ordinary credit card, thus giving a feeling to the farmersthat there is an underlying guarantee of getting loan from the bank as long as the

earlier loan is repaid

the facility is given for three to five years instead of one year, thus reducing the

procedural delays

there is flexibility in operation of the facility in terms of number of withdrawals

and in repayment of loan

the system on its own allows the borrowers to get their loans rescheduled in case of

natural calamities, etc. and

certain new features, such as, personal insurance for all the card hoders ranging from

Rs 25,000 to Rs 50,000 against permanent disability or accidental death, an effective

measure for risk mitigation, were also incorporated in the scheme.

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OBJECTIVES OF THE STUDY

Aims and objectives set forth to conduct this

survey, which help to evaluate the findings of

the survey, are following:-

To Analyse the Kisan Credit Card Scheme. To analyse the features of Prathma Banks

Kisan Credit Card.

To analyse the customer satisfaction onPrathma Bank Kisan Credit Card.

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LITERATURE REVIEW

In February 2004, the Orissa State Cooperative Bank (OSCB) had forwarded a copy of

press report on 'anywhere banking' service provided by the bank to the Reserve Bank

of India, Rural Planning and Credit Department (RPCD), Central Office, Mumbai. Whileexamining the issue, it was pointed out by the Chief General Manager-in-Charge, RPCD

that the OSCB had been taking a lot of innovative measures and initiatives in the

administration of KCC scheme apart from computerization of its operations. The College

Agricultural Banking (CAB) was advised to include such innovative measures in its

programmes for the benefit of managerial staff and Directors of Co-op. banks. The matter

was examined at the College and it was decided to conduct study implementation of the

Kisan Credit Card scheme by the OSCB and the steps taken by the bank forcomputerization of its activities. Accordingly, a study was carried out in October 2004 by Shri

K.R.Padmanabha Rao, Member of Faculty and Shri S. Sahu, AGM (Information

Technology).

The Kisan Credit Card (KCC) scheme introduced in 1998-99 was a step towards

facilitating the access to Short Term (ST) credit for the borrowers from the financial

institutions. The scheme was conceived as a unique credit delivery mechanism, whichaimed at provision of adequate and timely supply of ST credit to the farmers to meet their

crop production requirements. The objective was to provide an instrument, which would

allow farmers to purchase agricultural inputs such as seeds, fertilizers pesticides and also

withdraw some cash for meeting their production related requirements.

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HYPOTHESIS NULL HYPOTHESIS

The Null Hypothesis of this project report is that farmers are not

satisfied with Prathma Banks kisan credit card.

ALTERNATE HYPOTHESISThe Alternate Hypothesis of this project report is that farmers

are highly satisfied with Prathma Banks kisan credit card.

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QUESTIONNAIRE Do you know about Prathma Bank Kisan Credit Card?

Yes

No

Do you have Kisan Credit Card?

Yes

No

Is Kisan Credit Card helpful to you? Yes

No

Is there any number of withdrawals available in Kisan Credit Card?

Yes No

Is there any procedure of application before withdrawal money withincredit limit?

Yes

No

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QUESTIONNAIRE Are you satisfied with the Credit Limit available in Kisan Credit Card?

Yes

No

Are you satisfied with the time taken in the process of issuing Kisan CreditCard?

Yes

No

Are you satisfied with the interest rate charged in Kisan Credit Card? Yes

No

Are you satisfied with the repayment time for Credit in Kisan Credit Card?

Yes

No

Is there any personal Accidental Insurance provided with Kisan Credit Card?

Yes

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