Analysis of different types of Credit recovery in 5 years.

a) Kisan card loan:

(Rs in 000)

Year

Demand

Recovery Recovery in %

2008-09

23383

23315

99.70

2009-10

24335

24241

99.61

2010-11

43492

43241

99.42

2011-12

29408

29200

99.29

2012-13

46924

46489

99.07

Recovery in %
99.8
99.6
99.4
99.2

Recovery in %

99
98.8
98.6
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
From the above table and chart shows that there was a steady growth in demand for
a Kisan card loan. But its recovery percentage has been fluctuating over last
5years. In the year 2008-09 & 2009-10 shows 99.70% &99.61% recovery. Then
year 2010-11 shows 99.42% recovery. The year 2011-12 shows decreasing
recovery99.29 %.In the year 2012-13 shows its recovery 99.07%.

Medium term loan (Agriculture):

(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

6783

6782

99.98

2009-10

4100

4097

99.92

2010-11

6083

6079

99.93

2011-12

20555

20549

99.97

2012-13

10352

10343

99.91

Recovery in %
99.98
99.96
99.94
99.92

Recovery in %

99.9
99.88
99.86
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
From the above table and chart shows that there was a fluctuation in recovery of
medium term Agricultural loan. In the year 2008-09 & 2009-10 shows 99.98% and
99.92% recovery. The year 2010-11shows increasing recovery percentage. The
year 2011-12 recovery is 99.97%. In the year 2012-13 shows its recovery 99.91%.

Medium term loan (Other):

(Rs in 000)

Year

Demand

Recovery Recovery in %

2008-09

4047

3931

97.13

2009-10

4836

4707

97.33

2010-11

8570

8402

98.03

2011-12

7873

7664

97.34

2012-13

8072

7799

96.61

Recovery in %
98.5
98
97.5
97

Recovery in %

96.5
96
95.5
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
The above table and chart shows that demand and recovery percentage of medium
term other loan. From 2008-09 to 2010-11 shows increasing its recovery
percentage up to 98.03%. The year 2011-12 shows decreasing recovery 97.34%.In
the year 2012-13 shows its recovery 96.61%.

Convertible medium term loan:

(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

666

544

81.68

2009-10

579

422

72.88

2010-11

1032

824

79.84

2011-12

1476

1224

82.92

2012-13

2388

2050

85.84

Recovery in %
90
85
80
Recovery in %

75
70
65
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
From the above table and chart shows that low demand for convertible medium
term loan. There was a 81.68 %and 72.88%recovery in the year 2008-09 and 200910. In the 2010-11 and 2011-12 indicates 79.84% and 82.92% of recovery. In the
year 2012-13 there was high demand for convertible medium term loan and its
recovery percentage 85.84%

Surety loan:
(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

273

258

94.50

2009-10

444

444

100

2010-11

391

391

100

2011-12

943

943

100

2012-13

505

450

89.01

Recovery in %
100
95
90

Recovery in %

85
80
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
The above table and chart shows that demand and recovery percentage of surety
loan. In the2008-09 shows 94.50%. From 2009-10 to 2011-12 shows increasing its
recovery 100%. Again there is decrease in credit recovery percentage in the year
2012-13.

Mortgage loan:
(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

11121

11121

100

2009-10

10953

10953

100

2010-11

9787

9787

100

2011-12

11438

11438

100

2012-13

14185

14185

100

Recovery in %
100
80
60
Recovery in %

40
20
0
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
The above table and chart shows that demand and recovery percentage of mortgage
loan. The year 2008-09 to2012-13 shows 100% recovery. The graph highlights that
the efficiency of the society.

Depository loan:
(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

25939

25939

100

2009-10

28744

28744

100

2010-11

37887

37887

100

2011-12

27365

27365

100

2012-13

34739

34739

100

Recovery in %
100
90
80
70
60
50
40
30
20
10
0

Recovery in %

2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
The above table and chart shows that demand and recovery percentages of
depository loan. From 2008-09 to 2012-13 shows increasing its recovery
percentages. This chart shows that good recovery of the depository loan.

Gold loan:
(Rs in 000)

Recovery in

Year

Demand

Recovery

2008-09

10336

9989

93.39

2009-10

14241

14072

98.81

2010-11

19521

19496

99.87

2011-12

20082

20022

99.70

2012-13

29229

29041

99.35

Recovery in %
100
98
96
Recovery in %

94
92
90
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
The above table and chart shows that there was a steady growth in demand for a
gold loan. But its recovery percentage has been fluctuating over last 5years. In the
year 2008-09 shows 93.39% recovery. Then year 2009-10 and 2010-11 shows
98.81% and 99.87% recovery. The year 2011-12 shows its recovery99.70 %.In the
year 2012-13 shows its recovery 99.35%.

Analysis of total recovery:

(Rs in 000)

Year

Demand

Recovery

Recovery in %

2008-09

243430

241771

99.31

2009-10

295970

294210

99.40

2010-11

363226

361503

99.52

2011-12

169738

168196

99.09

2012-13

182365

180268

98.85

Recovery in %
99.6
99.4
99.2
99

Recovery in %

98.8
98.6
98.4
2008-09 2009-10 2010-11 2011-12 2012-13

INTERPRETATION:
Above the chart shows the total credit recovery of the co-operative society. It has
been fluctuating over last 5 years. In the year 2008-09 recovery of credit is
showing 99.31%. In the year 2009-10 shows 99.40%. In the year 2010-11 recovery
is 99.52% and it has been decreased to 99.09% in the year 2011-12. Again
recovery percentages decreases to 98.85% in the year 2012-13.

Five Years Deposit:

(Rs.000)
Fixed

Saving

Recurring

Deposit

Deposit

Deposit

2008-09

71521

6315

25

77861

2009-10

83412

7205

41

90658

2010-11

90544

18494

89

109127

2011-12

108811

32309

251

141371

2012-13

123675

30033

378

154086

Year

Total

Total
200000
150000
100000

Total

50000
0
2008-09

2009-10

2010-11

2011-12

2012-13

INTERPRETATION:
Above the chart shows that 5 years deposit of the co-operative society. It has been
increasing over last 5 years. In the year 2008-09 deposited amount Rs.77861
thousands, in the year 2009-10 shows Rs.90658 thousands. In the year 2010-11
Rs.109127 thousands, there was a little bit increase in last 2 years.

Comparison between Credit and Deposit:

(Rs in 000)

Year

Credit

Deposit

2008-09

117862

77861

2009-10

126064

90658

2010-11

129342

109127

2011-12

149490

141371

2012-13

162362

154086

180000
160000
140000
120000
100000
80000
60000
40000
20000
0

Credit
Deposit

2008-09

2009-10

2010-11

2011-12

2012-13

INTERPRETATION:
Above the chart shows that 5 years deposit and credit of the co-operative society.
The deposit has been increasing over last 5 year, the credit amount also increases
fromRs.117862thousands to Rs.162362 thousand over last 5 years.