INTERNSHIP TRAINING

DHARMAPURI DISTRICT CENTRAL CO OPERATIVE BANK

HOSUR BRANCH
Internship Report Submitted to Periyar University in Partial
fulfillment of the requirement for the Award of the Degree of
Bachelor of Commerce With Computer Application

Submitted by

SANTHOSH N
(Reg.NO:C23UG151CCA055)

ARIGNAR ANNA COLLEGE (ARTS AND SCIENCE)

KRISHNAGIRI – 635 115

NOVEMBER – 2025
 PERIYAR UNIVERSTY
INTERNSHIP TRAINING REPORT FORMAT

1. Name of the candidate SANTHOSH N

2. University Examination Registration C23UG151CCA055

Number

3. Name of the college ARIGNAR ANNA COLLEGE

( ART’S & SCIENCE
)KRISHNAGIRI

4. Name of the department / Degree III B.COM CA

5. Name of the Industry / Institute in DHARMAPURI DISTRICT CENTRAL

Which for internship Training CO OPERATIVE BANK HOSUR
Undergone

6. Guide / supervisor under whom the MR. D.V.MADHAIYAN

training undertaken

7. Title of the Training Banking operation of the co-operative Bank

8. Brief output of training ( not more ENCLOSED

than 2 pages ) – Attach Annexure – 1

9. Conclusion GAINED KNOWLDEGE

10. Out come of the training About the bank

Signature of the Signature of the Head of the department principal

Student guide
S .No Date Day Name of the topics / Class taken

1 30-05-2025 Friday Gaining industry knowledge

2 31-05-2025 Saturday Understanding Banking Operation

3 02-05-2025 Monday Gaining in sight into career paths

4 03-05-2025 Tuesday Contributor to GDP

5 04-05-2025 Wednesday Gaining in sight into career paths

6 05-05-2025 Thursday Improved inter personal skills

7 09-06-2025 Monday Financial inclusion

8 10-06-2025 Tuesday Building a professional network

9 11-06-2025 Wednesday Enhanced problem – solving abilities

10 12-06-2025 Thursday Administrative functions

11 13-06-2025 Friday Investment banking internships

12 14-06-2025 Saturday Corporate banking internships

13 16-06-2025 Monday Skill development

14 17-06-2025 Tuesday Emphasize transferable skills

15 18-06-2025 Wednesday Gain experience

 INDEX
CHAPTER CONTENTS PAGE NO

1 INTRODUCATION 1

2 PROFILE OF THE BANK 6

3 INTERNSHIP ACTIVITES 10

4 ANALYSIS 14

5 FINDING & RECOMMANDATION 19

CONCLUSIONS
 CHAPTER - I
INTRODUCTION

BANKING BACKGROUND SECTER IN INDIA

The banking system in India is one of the most important pillars of the country’s
financial structure. Banks not only act as financial intermediaries but also play a vital role in
economic growth by mobilizing savings and channelizing them into productive investments.
Over the years, the Indian banking industry has undergone significant changes, evolving from
traditional banking practices to modern, technology-driven services.

Banking in India can broadly be classified into commercial banks, co-operative banks,
regional rural banks, and development banks. Among these, co-operative banks have a unique
place, as they were established with the objective of serving the weaker sections of society and
promoting financial inclusion. They are based on co-operative principles, where the primary aim
is service rather than profit.

Introduction to DDCC Bank:

DDCC Bank are financial institutions that are owned and operated by their members.
These banks operate on the principles of mutual help, democratic management, and no profit-
maximization motive.

They are generally registered under the Co-operative Societies Act and are regulated by
the Reserve Bank of India (RBI) and the respective State Governments. Co-operative banks play
a major role in catering to the needs of rural and semi-urban populations by offering credit
facilities for agriculture, small-scale industries, and self-employed individuals.
About Dharmapuri district central co operative bank:

Dharmapuri district central co operative bank (UCBs) are a category of co-operative

banks that operate mainly in urban and semi-urban areas. Their primary objective is to provide
credit to small borrowers, businesses, and low- and middle-income groups in towns and cities.
They accept deposits, provide loans, offer remittance facilities, and extend various banking
services similar to commercial banks but with a strong local and community focus.

UCBs are crucial in extending financial services to people who may not have easy access
to larger commercial banks. They are particularly important for local traders, small
entrepreneurs, salaried employees, and self-employed professionals.

Dharmapuri district central co operative bank hosur:

The DDCC Bank hosur was established with the vision of serving the local community
by offering affordable and accessible banking facilities. It was founded to promote savings habits
among people and provide timely credit to meet their financial needs. Over the years, the bank
has expanded its services and has become a trusted financial partner in Dharmpuri district.

The bank offers a wide range of services such as:

 Savings accounts, current accounts, and fixed deposits

 Loan facilities (personal, agricultural, housing, and business loans)

 Gold loans and microfinance support

 Digital services like NEFT/RTGS, ATM, and internet banking

 The institution has played a key role in supporting self-help groups, farmers,
traders, and small industries in the district, thereby contributing to regional
economic development.
 Objectives of the Internship:

 To gain practical exposure to banking operations and understand the working of

different departments.

 To study how customer services are provided in a co-operative banking environment.

 To observe the process of deposit mobilization and loan disbursement.

 To analyze the role of technology in the functioning of co-operative banks.

 To bridge the gap between theoretical knowledge gained in academics and

practical application in the banking sector.

Scope of the Internship:

The scope of this internship is limited to the activities carried out at the Dharmapuri
district central co operative bank hosur It covers areas such as account opening, deposits,
withdrawals, loan processing, customer interactions, and documentation procedures. While the
internship provided exposure to several core banking functions, it did not extend into high-level
decision-making processes or confidential strategic planning, which remain restricted to
management.

The study is particularly useful for understanding how co-operative banks function in a
semi-urban environment and how they address the needs of their customers.

Methodology of Study:

The methodology adopted during the internship consisted of:

 Observation: Directly observing the daily activities and interactions within the bank.

 Practical Learning: Assisting in documentation, data entry, and customer

service processes.

 Discussions: Interacting with staff and managers to understand policies and practices.

 Secondary Data: Referring to records, manuals, and brochures provided by the bank.
Significance of the Study:

This internship is highly significant for students pursuing commerce, management, and
banking studies. It provides an opportunity to gain first-hand knowledge of co-operative banking
operations. DDCC Bank hosur, with its community-centric approach, serves as an ideal platform
to understand the importance of banking in local economic development. The experience not
only enhances professional knowledge but also develops skills such as communication, problem-
solving, and adaptability.
 CHAPTER - II
PROFILE OF THE

BANK

Company Profile - Dharmapuri district central co operative bank hosur

Name of the Bank: Dharmapuri district central co operative bank hosur

Type of Institution: Co-operative Bank (Central Co-operative Society)

Year of Establishment: [Insert founding year, if you know - otherwise write "Established in
early 20th century/1990s" depending on your info]

Head Office; Dharmapuri, Tamil Nadu Regulatory Authority: Reserve Bank of India (RBI) and
State Government of Tamil Nadu Ownership: Member-owned Co-operative Society

Objectives of the Bank:

1. To promote the habit of savings among the people of Krishnagiri district.

2. To provide affordable and timely credit facilities to members.

3. To support agricultural, trade, business, and personal financial needs.

4. To extend banking s s to weaker and middle-class sections’ of socity.

History of Dharmapuri district central co operative bank hosur:

The Dharmapuri district central co operative bank hosur was established with the main
objective of meeting the financial needs of people in and around Krishnagiri district. Initially, the
bank started with limited resources, a small number of members, and a modest level of deposits.
Over time, it has expanded its operations and customer base through dedicated service and
community trust.

The bank was founded on the principles of co-operation, mutual help, and financial
inclusion. It has consistently worked to uplift weaker sections of society by providing them easy
access to credit and encouraging the habit of savings. Today, the bank plays a vital role in the
economic development of the district by financing agriculture, trade, micro-businesses, and self-
help groups.
 Vision and Mission

Vision:
To become a trusted community-based financial institution that delivers quality banking
services to all sections of society, especially the economically weaker and middle-class
population.

Mission:
To encourage thrift and savings among people. To provide affordable credit for
agriculture, business, housing, and personal needs. To support local entrepreneurs, farmers, and
traders in achieving financial independence. To adopt modern technology while maintaining a
personalized approach to customer service.

Organizational Structure:
The Dharmapuri district central co operative bank hosur, functions under the dual control
of the Reserve Bank of India (RBI) and the State Government. The management is democratic,
and members of the bank elect the Board of Directors, who are responsible for policy decisions.
The daily operations are managed by the Chief Executive Officer (CEO), branch managers,
officers, and clerical staff.

ORGANIZATIONAL HIERARCHY:

1. Board of Directors:

Elected body responsible for governance and strategic planning.

2. Chief Executive Officer (CEO)

Head of operations, supervises all branches and ensures compliance.

3. Managers:

Lead specific branches or departments.

4. Officers:

Handle specialized areas such as loans, accounts, audit, and customer services.

5. Clerical Staff:

Assist in daily banking activities such as cash handling, passbook entry, and
documentation.

6. Support Staff:

Provide administrative and operational assistance.

7. Services Offered:

The bank provides a wide range of services to cater to the financial needs of its customers.
The major services include:

 Deposit Schemes:

 Savings Bank Account

 Current Account
 Fixed Deposits (FD)
 Recurring Deposits (RD)

 Loan Schemes:

 Agricultural Loans
 Gold Loans
 Housing Loans
 Business Loans
 Personal Loans
 Microfinance support for self-help groups

 Other Banking Services:

 Demand Drafts (DD) and Cheques

 NEFT/RTGS Facilities
 Locker Services
 ATM/Debit Card Facilities
 Departments of the Bank:

During the internship, the following departments were observed:

1. Accounts Department – Responsible for maintaining deposit accounts, issuing

statements, and reconciling balances.

2. Loans and Advances Department – Deals with loan applications, credit

appraisal, sanctioning, and monitoring repayment.

3. Cash Department – Handles deposits, withdrawals, and cash transfers.

4. Customer Service Department – Assists customers with queries, account

opening, and service requests.

5. Audit and Compliance Department – Ensures internal checks, verification of

records, and compliance with RBI norms.

6. IT Department – Manages Core Banking Solutions (CBS), digital platforms,

and transaction security.

Achievements and Growth:

Over the years, Dharmapuri district central co operative bank r, has achieved several milestones:

 Growth in the number of members and depositors.

 Expansion of credit facilities to farmers, traders, and entrepreneurs.
 Successful implementation of government-sponsored schemes such as
financial inclusion and agricultural credit programs.
 Adoption of Core Banking Solutions (CBS), enabling digital transactions.
 Recognition at the district level for promoting co-operative banking and
rural development.

Role in the Local Economy:

The bank plays an essential role in supporting the Krishnagiri district economy,
which is primarily dependent on agriculture (mango cultivation, vegetables, paddy),
small-scale industries, and trade. By offering accessible credit and financial services, the
bank has enabled local people to improve their standard of living. It also supports self-
help groups (SHGs), women entrepreneurs, and small businesses, thereby promoting
inclusive
 CHAPERT-III
INTERNSHIP EXERCES

INTRODUCTION

Internships provide students with the opportunity to bridge the gap between classroom
knowledge and real-life practice. My internship DDCC Bank enabled me to understand how a
co-operative bank functions on a daily basis and how it serves its customers. This chapter
presents a detailed account of the activities I was exposed to, the skills I developed, and the
practical knowledge I gained during the training period.

During Daily Work Activities:

The internship, I was assigned to various departments of the bank on a rotational basis
in order to gain holistic exposure. The following activities were part of my daily routine:

1. Account Opening Assistance – Helping customers with KYC documentation, filling

up account opening forms, and verifying details.

2. Cash Transactions – Observing the process of cash deposits and withdrawals at

the counter, tallying cash at the end of the day.

3. Passbook Updating – Assisting customers in updating their passbooks using

the banking system.

4. Loan Documentation – Learning how loan applications are processed,

including verification of income and collateral documents.

5. Cheque Clearing – Observing inward and outward cheque clearing procedures.

6. Customer Enquiries – Interacting with customers and helping them with

queries related to deposits, loans, and digital banking services.
Learning in Loan Processing:

One of the most valuable experiences during my internship was understanding the loan
process. I learned the step-by-step procedure of:

 Receiving loan applications from customers.

 Collecting supporting documents such as ID proof, income proof, and
collateral security.
 Performing credit appraisal and eligibility checks.
 Preparing loan files for approval by the manager.
 Monitoring repayment schedules and EMI collections.

Special emphasis was given to Gold Loans, as they form a major share of the bank’s
lending activity. I observed how gold ornaments are tested, valued, and safely stored as
collateral.

Exposure to Customer Service:

Customer satisfaction is a priority for co-operative banks, and my internship gave me the
chance to interact with a variety of customers. The tasks I handled included:

 Guiding elderly customers in filling forms.

 Assisting customers in using digital facilities like ATM, mobile banking,
and NEFT/RTGS transfers.
 Resolving minor complaints and directing major queries to the concerned officers.

Through these interactions, I understood the importance of patience, communication

skills, and problem-solving abilities in banking services.

Technology in Banking Operations:

The bank uses Core Banking Solutions (CBS) for its operations. During my internship, I
was trained on the basics of CBS, which allowed me to observe how data entry, account
management, and transaction processing take place in real time.

I also observed the use of:

 NEFT/RTGS systems for fund transfers.

 ATM reconciliation processes.
 Computerized passbook printing.
Skills Developed During Internship:

The internship not only enhanced my knowledge but also helped me build practical skills
such as:

1. Technical Skills – Understanding banking software, financial documentation,

and transaction systems.

2. Communication Skills – Interacting with customers, explaining banking

services clearly.

3. Teamwork – Working alongside staff and assisting them in routine tasks.

4. Problem-Solving – Learning how to handle customer issues effectively.

5. Time Management – Completing assigned tasks within limited time frames.

Challenges Faced:

While the internship was a positive learning experience, I also faced certain challenges:

 Difficulty in understanding banking terminologies in the beginning.

 Managing multiple customer queries at peak hours.
 Adapting to the accuracy and speed required in handling financial transactions.

However, with guidance from the staff, I was able to overcome these difficulties and
improve over time.

Summary of Internship Experience:

Overall, the internship provided me with practical knowledge of co-operative banking

operations. It helped me realize the importance of accuracy, discipline, and customer orientation
in banking. The exposure to different departments gave me confidence to apply classroom
knowledge in real-world scenarios. Most importantly, it developed my interest in pursuing a
career in the financial sector.
 CHAPTER – IV
ANALYSIS

INTRODUTION

The internship at Dharmapuri district central co operative bank hosur provided valuable
exposure to the functioning of a co-operative financial institution. This chapter presents an
analysis of the bank’s strengths, weaknesses, opportunities, and threats (SWOT), along with the
key findings from my observations during the internship period.

Strengths of the Bank:

1. Community Trust – The bank enjoys strong trust among local residents due to
its personalized services and long-standing presence in the district.

2. Accessibility – Located in semi-urban areas, it is easily accessible to farmers,

traders, and small business owners.

3. Personalized Service – Compared to large commercial banks, staff maintain

closer customer relationships.

4. Focus on Financial Inclusion – The bank provides services to low-income

groups, self-help groups (SHGs), and rural communities.

5. Quick Loan Processing – Gold loans and small personal loans are processed
with minimal formalities, meeting urgent needs.

Weaknesses of the Bank:

1. Limited Technology Adoption – Although CBS is implemented, advanced

digital services like mobile apps and UPI-based banking are still underdeveloped.

2. Restricted Capital Base – Being a co-operative institution, the bank has limited
capacity to raise funds compared to commercial banks.
 3. Dependence on Traditional Banking – Many customers still prefer manual forms
and cash transactions, slowing digital growth.

4. Lack of Aggressive Marketing – The bank does not actively promote its products
and services, leading to less awareness.

5. Human Resource Constraints – Limited staff strength results in work pressure

during peak banking hours.

Opportunities for Growth:

1. Digital Banking Expansion – Introducing mobile banking, UPI, and online

payment facilities can attract young customers.

2. Government Schemes – Participation in schemes like PM Jan Dhan Yojana,

Mudra Loans, and SHG financing can increase outreach.

3. Customer Base Expansion – Targeting professionals, students, and small-

scale entrepreneurs will diversify the customer base.

4. Partnership with Local Industries – Providing credit support to small-scale

and agro-based industries in Krishnagiri district, hosur .

5. Financial Literacy Programs – Conducting awareness campaigns to promote

savings and investment habits.

Threats and Challenges:

1. Competition from Commercial Banks:

Private and public sector banks attract customers with advanced technology and
higher loan limits.

2. NBFCs and Fintech Companies:

These offer faster loans with minimal paperwork, posing a challenge.

3. Regulatory Restrictions:

Being a co-operative bank, it has to comply with strict RBI and state government
guidelines.
 4. Customer Shift to Digital Platforms:

If not upgraded, customers may move to banks offering mobile banking and UPI
services.

5. Economic Instability:

Loan defaults may increase due to uncertain economic conditions, affecting

profitability.

SWOT Analysis (Summary Table)

S.No Strengths Weaknesses

1 Strong community trust Limited technology adoption

2 Personalized services Small capital base

3 Quick loan processing Lack of aggressive marketing

4 Focus on financial inclusion Human resource limitations

OPPORTUNITIES AND THREATS

S.NO Opportunities Threats

1 Expansion into digital banking Competition from commercial banks

2 Government schemes Rising NBFC/fintech presence

3 Customer base expansion Customer shift to tech-savvy banks

4 Local industry financing Loan defaults due to economic issues

 CHAPTER - V
FINDING
During my internship at the Comparative DDCC Bank hosur, I was able to observe and
learn about the functioning of the banking sector in a practical environment. The following
findings were noted:

1. Customer Service:

The bank gives significant importance to customer service. Most customers approach for
savings accounts, deposits, and loans. Timely service was observed, though during peak hours,
delays occurred.

2. Digital Banking:

A good number of customers prefer using online banking facilities. However, a section
of rural customers still relies on manual transactions.

3. Loan Services:

Loans are a major business component. Urban banks particularly provide agricultural
loans, gold loans, and small-scale business loans. Loan processing requires multiple verification
steps, ensuring transparency.

4. Record Maintenance:

Proper filing and computer-based record-keeping were followed. Yet, in some branches,
paperwork dependency is still high.

5. Employee Work Culture:

The staff maintained professionalism and cooperation. However, workload during

month-end and financial year closing was significantly higher.

6. Community Role:

The bank supports local communities by providing accessible financial services to

people who may not prefer or qualify for large commercial banks.
 RECOMMENDATION

Based on my observations and findings, I would like to recommend the following

improvements for the Comparative Urban Bank:

1. Increase Digital Literacy:

Conduct workshops for rural and older customers to encourage them to use internet
banking, UPI, and mobile apps.

2. Queue Management System:

Introduce token or digital queue systems to reduce customer waiting time during peak
hours.

3. Paperless Banking:

Gradually reduce dependency on physical records and move toward fully digital
document management.

4. Employee Training:

Regular skill enhancement programs should be conducted for employees to stay updated
with new banking technologies and customer handling techniques.

5. Loan Awareness Programs:

Conduct awareness camps in rural and semi-urban areas to educate customers about
available loan schemes, repayment benefits, and financial planning.

6. Community Engagement:

Strengthen ties with local communities through financial inclusion programs, savings
awareness campaigns, and social responsibility initiatives.

These measures would help the bank improve efficiency, customer satisfaction, and long-term
sustainability in a competitive banking environment.
 CONCLUSION

The internship provided me with valuable exposure to real-time banking operations. I

was able to bridge the gap between theoretical knowledge and practical application. Comparative
DDCC Bank plays a vital role in providing financial services to small traders, farmers, and low-
income groups who form the backbone of the economy.

The internship enhanced my understanding of banking transactions, customer

relationship management, loan processing, record maintenance, and the use of digital banking
services. I also understood the importance of regulatory compliance, risk management, and
teamwork in banking institutions.

Overall, th is internship experience was a turning point in my academic and professional

journey, giving me confidence to handle banking operations and preparing me for future career
opportunities in the finance and banking sector