A

STUDY
ON

RATIO ANALYSIS
(Conducted on Behalf of the Varachha Co-operative Bank Limited, Surat)
[From 15th January 2004 to 15th March 2004]
A Project Report Submitted In Partial Fulfillment Of The Requirements
For The Award Of The Degree Of

BACHELOR OF BUSINESS ADMINISTRATION

TO
SOUTH GUJRAT UNIVERSITY, SURAT

Submitted by:
PATEL RENUKA P.
T.Y.B.B.A. (Sem-VI) Roll No.89

Under the guidance of

PROF. PARITA BENGALI

Submitted to:
THE CO-ORDINATOR
PROF.V.B.SHAH INSTITUTE OF MANAGEMENT
&R.V.PATEL COLLAGE OF COMMERCE
AMROLI (SURAT)
MARCH2004
 DECLARATION

I, Patel Renuka P., here by declare that the project report

entitled “RATIO ANALYSIS” under the guidance of Prof. Parita Bengali
submitted in partial fulfillment of the requirements for the award of the
degree of Bachelor Of Business Administration to South Gujarat
University, Surat is my original work-research study carried out during 15th
January, 2004 to 15th March, 2004 and other degree / diploma/ fellowship
other similar title or prizes to any other institution/ organization or university
by any other person.

Signature
Place:
Date: Renuka. P.Patel
T.Y.B.B.A (Sem-VI)
Roll No: 89

PROF.V.B.SHAH INSTITUTE OF MANAGEMENT

& R.V.PATEL COLLAGE OF COMMERCE, AMROLI.
 PROF.V.B.SHAH INSTITUTE OF MANAGEMENT
& R.V.PATEL C0LLEGE OF COMMERCE, AMROLI.

CERTIFICATE OF THE FACULTY GUIDE

This is to certify that the project Report, entitled, ‘A STUDY

ON RATIO ANALAYSIS OF THE VARACHHA CO-OPERATIVE
BANK LTD, SURAT’ Submitted in partial fulfillment of the requirements
for the award of the degree of BACHELOR OF BUSINESS
ADMINISTRATION TO SOUTH GUJARAT UNIVERSITY, SURAT is
a record of bonfire research work carried out by Patel Renuka. P under my
Supervision and guidance.

Signature Signature

Prof. Parita Bengali Prof. M. L. Abale

(Project Guide) (Co-ordinator)
 EXECUTIVE SUMMARY

The bank is showing high very progress in the area of ratio analysis so
it is a golden opportunity for me to do project report on this topic.

This report deals with the progressive aspect of bank i.e. Ratio
analysis.

Ratio analysis includes various types of ratio like credit deposit ratio,
profit on loan ratio, solvency ratio, profitability ratio, activity ratio,
administrative to working capital ratio etc.

I have tried to cover all the details of ratio analysis using simple and
easy language.

At last, I include the suggestions for the fulfillment of the project.

 ACKNOWLEDGEMENT

I undersigned Patel Renuka P. have taken very sincerely and heartily

an opportunity to express my felling of gratitude towards the company i.e.
the Varachha co-operative Bank and Particular.
I extend our sincere thanks to Mr.Narendrabhai Kukadiya (Director),
P.B.Dhakecha (chairman), Mr.K.R.Bhalala (Manging Director), A.D.Bhalani
(General Manager) of the varachha Co-operation Bank. For their estimated
Co-operation and Contribution in preparing project report, which is part of
my B.B.A, programmed.
It was a great pleasure for me to take training in the Varachha Co-
operative Bank, I am thankful to Mr. B. C. Sorathia (Head Office manager)
and Navinchandra R. Shah and his staff externally support me in to getting
information requiring financial data and various aspects of financing function
of the Varachha co-operative.
I am highly in debited and grateful to hon.director/Co-ordinator of
V.B.Shah Institute of Management and R.V.Patel Collage of Commerce for
arranging exposure to the industry.
It gives me an immense pleasure to convey my profound gratitude &
sincere thanks to Prof. Parita Bengali and Prof. M.L. Abale. For Authentic
Interest providing as valuable guidance through the course of my project
report.

Patel Renuka P.
 CONTENTS
Sr No. Particular Page
No.
1 INTRODUCTION OF BANK 1 –7
2 INTRODUCTION OF VARACHHA CO-OPERATIVE 8 – 20
BANK LTD.
3 RATIO ANALYSIS 21 – 56
4 FINDINGS & SUGGESTIONS 57 -58
 BIBLIOGRAPHY 59
 ANNEXURE 60-61