BHARAT ELECTRONICS LIMITED

Company Profile BEL :
BHARAT ELECTRONICS LIMITED (BEL) is a one of the india’s biggest electrical production company, a government of Indian enterprise, incorporated in 1945 is engaged in manufacturing of electronics equipment and component. Since its incorporation, it has grown into massive industrial complex employing more than 14000 persons and operates on the scale that has surpassed by only a few. It was set up to serve defense need in the field of electronics. If is element of the nation’s inspiration for self reliance in electronics.

Till the early 70’s the country activity was in its Bangalore unit. The second unit at Gaziabad was started in 1974. The third at Pune began functioning in 1979. The government of India nationalized, Andra scientific equipments and assigned it to BHARAT ELECTRONICS LIMITED. Three units, one at Toloja for gas shells, one at Punchkula and Kotdwara for the equipment production are set up. Two dedicated services center have also been set up one at Madras for Tank Electronics and one at Hyderabad for electro-magnetics.

BEL is a Multi Product, Multi Technology Manufacturing unit, which cater the needs of the defense organization of the country, semi government and other joint sectors. Total turn over for past year is around 850 crores and the profit to the BHARAT ELECTRONICS LIMITED is around 65 crores, 5% out of the sales turnover is ploughed back into the RAD area.

Bharat Electronics at Bangalore is the biggest of all its manufacturing network organization.

It has total nine manufacturing units spread all over India. Regional offices/ marketing center are located at,
New Delhi (regional office)
Calcutta (regional office cum marketing center)
Chennai (regional office cum marketing center)
Hyderabad (regional office cum marketing center)

The organization has two overseas purchase offices at the following places.
New York (USA)
Singapore

The nine manufacturing units of BHARAT ELECTRONICS LIMITED are:
Bangalore
Chennai
Hyderabad
Machlipatnam
Pune
Taljo
Gaziabad
Kotdwara
Punchkula

The most important achievement of BEL is that it is the India’s first Defense and professional company to get the coveted ISO 9002 certification, which is almost mandatory for worldwide trade and commerce.

VARIOUS DIVISIONS IN BEL
Component
Design and Engineering
Military Radar
Equipments
Information System Division
Finance
Personnel
Quality Assurances
Service
Research and Development
Development and engineering
Painting
Naval Systems
Telecom and Broadcasting System

BEL-ISD receives purchase order data as a flat file from NYRO/SIRO regional offices on weekly basis and it will be loaded into oracle database (MRP-II/SAP).The database contains the details of the purchase items, customer information, supplier information, materials information, sales information and purchase information.

The required information was extracted from the database and the reports were generated manually the reports were made available to the concerned sections weekly once and was prepared manually so to make available the required information as and when required the project “FOREIGN PROCUREMENT MANAGEMENT SYSTEM” was implemented.

Products are :
Bulbs 60w to 500 watts (mercury, CFL, Tabulates, zero bulbs, Focus and so many used in big shopping malls and theater bulbs products)
Wires
Buttons
and so many.

ABOUT BAJAJ AUTO LTD. COMPANY

Bajaj Auto Ltd. "Inspiring Confidence"
Bajaj Auto Ltd. is the largest exporter of two and three wheelers. With Kawasaki Heavy Industries of Japan, Bajaj manufactures state-of-the-art range of two-wheelers. The brand, Pulsar is continually dominating the Indian motorcycle market in the premium segment. Its Discover DTSi is also a successful bike on Indian roads.

Quick Facts :
Founder : Jamnalal Bajaj
Year of Establishment : 1926
Industry : Automotive – Two and Three Wheelers
Business Group : The Bajaj Group
Listings and its Codes : BSE Code 500490, NSE code : Bajajauto
Presence : Distribution network covers 50 countries. Dominant presence in Sri Lanka, Bangladesh, Columbia, Guatemala, Peru, Egypt, Iran and Indonesia.
Joint Venture : Kawasaki Heavy Industries of Japan.
Registered and Head Office : Akurdi, Pune – 411035, India, Tel : +91-20-27472851, Fax : +91-20-27473398.
Works : Akurdi, Pune-411035, Bajaj Nagar, Waluj, Aurangabad-431136, Chakan Industrial Area, Chakan, Pune-411501.
E-mail : rahulbajaj@bajajauto.co.in
Web Site : www.bajajauto.com

Segment and Brands :
Motorcycle Products :
4S, 4S Champion, Bajaj Avenger, Bajaj CT 100, Bajaj Discover, Bajaj Platina, Bajaj Pulsar, Bajaj Pulsar DTSi, Bajaj Sonic, Bajaj Wind 125, Bajaj XCD 125, Boxer, Caliber, Caliber 115, Kawasaki Bajaj Eliminator, KB RTZ, KB100, KB125.

Scooter Products :
Bajaj Chetak, Bajaj Kristal DTSi, Bajaj Wave.

Awards & Accolades :
2005 :: Bajaj Discover DTS-i was chosen as Bike of the Year and Indigenous Design of the Year by Overdrive Awards.

2004 :: Bajaj Auto was chosen as Bike Maker of the Year by ICICI Bank Overdrive Awards.
DTS-i Technology was chosen as Auto Tech of the Year by ICICI Bank Overdrive Awards.
Bajaj Pulsar DTS-i became Bike of the Year by ICICI Bank Overdrive Awards.
Wind 125 chosen as the Two Wheeler of the Year by CNBC AUTOCAR Awards.
Wind 125 chosen as the Bike of the Year by Business Standard Motoring.

2003 :: Bajaj Pulsar 180 DTS-i chosen as Wheels Viewers Choice Two Wheeler of the Year and Best Two Wheeler by BBC World Wheels Award.
Bajaj Pulsar 150 DTS-i chosen as Best Two Wheeler between Rs. 45,000 to Rs. 55,000 by BBC World Wheels Award.
Bajaj Boxer AT KTEC chosen as Best Two Wheeler under Rs. 30,000 by BBC World Wheels Award.
Bajaj Pulsar chosen as Motorcycle Total Customer Satisfaction Study by NFO Automotive.
Bajaj Pulsar chosen as Bike of the Year by ICICI Bank OVERDRIVE Awards.
2002 :: Bajaj Pulsar chosen as Most Exciting Bike of the Year by OVERDRIVE Awards.
Bajaj Eliminator chosen as Bike of the Year by OVERDRIVE Awards.
2001 :: Bajaj Eliminator chosen as Most Exciting Bike of the Year by OVERDRIVE Awards.

Milestones :
2005 :: Bajaj Avenger and Bajaj Wave launched.
2004 :: Bajaj Discover DTS-i, New Bajaj Chetak 4 stroke with Wonder Geaf and Bajaj CT100 launched. Bajaj also unveils new brand identity, dons new symbol, logo and brand line.
2003 :: Pulsar DTS-i and Bajaj Wind 125-The World Bike was launched. In the executive motorcycle segment, its Caliber 115 "Hoodibabaa!" was launched. 107,115 Motorcycles sold in a month.
2001 :: Launches Pulsar and Eliminator.
2000 :: Bajaj Saffire was introduced.
1999 :: Caliber motorcycle notches up 100,000 sales in record time of 12 months. Production commences at Chakan plant.
1998 :: Kawasaki Bajaj Caliber rolls out of Waluj. Legend, India's first four-stroke scooter rolls out of Akurdi. Spirit launched

Outlook
Since 1986, there is a technical tie-up of Bajaj Auto Ltd. with Kawasaki Heavy Industries of Japan to manufacture state-of-art range of latest two-wheelers in India. The JV has already given the Indian market the KB series, 4S and 4S Champion, Boxer, the Caliber series, and Wind125.

Kawasaki Heavy Industries is a Fortune 500 company with a turnover of USD 10 billion (Rs. 45,840 crore). It has crafted new technologies for more than hundred years. The technologies of KHI have redefined space systems, aircrafts, jet engines, ships, locomotive, energy plants, automation system, construction machinery, and of course high reliability two-wheelers.

KHI has given the world its legendary series of 600-1200cc Ninja and 1600 Vulcan bikes. Straight from its design boards, the Kawasaki Bajaj Eliminator, India's first real cruiser bike, redefines the pleasure of "biking" in looks as well as performance.

Company Flashback
'Inspiring Confidence,' the tagline, has build up confidence, through excitement engineering, not only to domestic consumers but also internationally. Established just eight decades back in 1926 by Jamnalal Bajaj, the company has been vested with India's largest exporter of two and three wheelers, 196,710 units in 2004-05, a great 26 per cent jump over the previous year.

Bajaj Auto Ltd. sales have increased by approximately 21 per cent in the year 2004-05, which exceeds Rs 65.4 billion, a record in the history of the company. The gross operating profit stands at Rs. 9.3 billion, again a record. The profits after tax of the BAL are close to Rs. 7.7 billion, and the pre-tax return on operating capital is at an impressive 80 per cent.

The strength of the company is its quality products, excellence in engineering and design, and its ability to delight the customers. The Pulsar, introduced in November 2004, is continually dominating the premium segment of the motorcycle market, helping to maintain the market superiority. Discover DTSi, one more successful bike on Indian roads, is in the 'value' segment of the motorcycle market. It incorporates a high degree of power with fuel efficiency of a 100 cc motorcycle.

BAL is committed to prevention of pollution, continual improvement of environment performance and compliance with all environmental legislation and regulations. They always believe in providing the customer 'value for money' and keeps an special eye upon quality, safety, productivity, cost and delivery.

KRISHNA GRAMEENA BANK PROFILE

BANK PROFILE KGB :
Krishna Grameena Bank was established on 01.12.1978 under the RRBs Act 1976. The Bank has completed 32 years of its meaningful services to the people of Gulbarga, Yadgir and Bidar districts. Since inception, the Bank is striving hard to achieve its set objectives in its area of operation. The Bank has now extended its coverage to all the urban and semi-urban centers in the three districts.

The head office building has been well equipped with centralized air conditioning, computerized, functioning, solar lighting, modern gudgets and a sprawling well maintained garden. The Head office premise is regarded as one of the BEST CORPORATE OFFICE not only in Gulbarga city but also in the entire Hyderabad Karnataka Area. The Bank enjoys the popularity as the PEOPLE’S BANK in the area.

During the year 2009-10 the Bank Crossed a major milestone by surpassing Rs.2,242 crores of business by registering a growth of 17.01% over the previous year. Further the bank has achieved growth by Rs.326 crores to total Business during the year 2009-10. The growth during last three years from Rs.1,256 crores as on March-2007 to Rs.2,242 crores as on March-2010. Systematic proactive sustained efforts are continued to accomplish all round excellence.

The Krishna Bank is based on the traditional Indian value of service to the community Bank is reputed as one of the well run banks in the community of public sector banks in the country.

The bank has been richly endowed with a relatively young, dynamic and efficient man power, which is the key factor of the bank success. Excellence in performance and uniqueness in customer service from the central core of the banks organizational cultured. The growing confidence of its clientele is well reflected in the banks performance in all critical areas of its operation all through the years.

BRANCH NETWORK:-
Is at the end of the financial year, the bank is having a well spread out network of 119 Branches, 60 in Gulbarga district,23 in Yadgir and 33 in Bidar districts.

uring the financial year 2009-10,the bank has opened 7 new branches, 3 in Gulbarga, 2 in Yadgir and 2 in Bidar districts.There are 4 Area Offices, of which two in Gulbarga district situated at Gulbarga and Sedam, one in Yadgir situated at Shahapur, and one in Bidar situated at Bidar only.

SHARE CAPITAL:-
The bank has an authorized share capital of Rs.50,000 and an issued and paid-up capital of Rs. 10,000 contributed by the three share holders, viz
Govt. of India: 50%
Sponsor bank State Bank Of India: 35%
Govt. Of Karnataka: 15%

SHARE CAPITAL DEPOSIT :-
During the year 1997-98 the bank was taken up for restructuring and a sum of total of Rs.2,51,800 thousands was sanctioned to cleanse the balance sheet. Accordingly, an aggregate sum of Rs.1,87,577 thousands has been received from all the three share holders proportionately in two tranches the balance amt in spite of our best efforts was not released till date as on 31.03.2010, the position of share capital deposit was as under.

Share Holders :
Govt. of India 50% Rs.93788
Govt. of Karnataka 15% Rs.28137
State Bank of India 35% Rs.65652
Total Rs.187577

BORROWINGS:
Borrowings from NABARD and sponsor Bank are the major sources of found for our Bank besides deposits. The details of limits sanctioned and refinance outstanding as on 31.3.2010.

LOANS AND ADVANCES OUTSTANDING :
The Bank has recorded a growth of Rs.1889500 thousands during 2009-10 as against Rs.1451407 thousands achieved during the previous year 2008-09. During the year the bank has disbursed Rs.5588750 thousands as against ACP target of Rs. 6605180 thousands.

KRISHNA KRISHI CARD (KKC) SCHEME :
Kisan credit cards under KGB brand name Krishna Krishi Card, the Bank has disbursed an amount of Rs.3307285 thousands to farmers. During the year the bank has issued New KKC Cards to 24505 farmers with this the total number of KKCs issued by the bank has shot up to 191888.

All eligible borrowers have been issued with the Credit Cards and personal accident insurance cover has been provided to all eligible card holders. (i.e. below the stipulated age of 70 years) Under personal Accident Insurance Scheme (PAIS). The share of premia borne by the Bank is Rs.1734 thousands as against Rs.867 thousands Contributed by borrowers.

SWAROJAGAR CREDIT CARDS (SSC) :
The Bank has sanctioned 148 SSC during the year 2009-2010, taking the cumulative number of cards issued to 10114 as against 9966 as on 31/03.2009. Amount outstanding increased to Rs.1904 lakh as on 31/03/2010 from Rs.1867.12 lakhs as on March 2009.

RASHTRIYA KRISHI BIMA YOJANA (RKBY) :
The Bank is actively implementing the crop Insurance (RKBY) Scheme in letter and spirit. The details of premium paid and insurance claim settled.

The financial cost has increased by 1.07% on account of aggressive mobilization of term Deposits the year and reduction of Demand Deposits share in total Deposits as same of the Government Departments preferred to Bank with Banks having core Banking facility for keeping their Deposits. However it is gratifying to note that management cost has come down substantially from 1.89% as on 31/03/2009 to 1.45% as on 31/03/2010. Variations in all other ratio are marginal.

KRISHNA INSTITUTE OF TRAINING FOR SELP EMPLOYMENT AND RURAL DEVELOPMENT (KITSERD):
Our Bank in close co-ordination with STATE BANK OF INDIA have set up jointly a Training Institute at Gulbarga for Training unemployment youth to take up self-employment ventures and promote entrepreneurship. The Institute was established on 01/11/1997 for imparting Training to un-employed youths of Gulbarga and Bidar districts in various trade and vocations. The Institute provides free boarding and lodging facility to the selected trainees. The Institute has so far trained 3490 youths in 223 batches of whom 2857 have commenced their own enterprises with the help of financial assistance to the tune of Rs.595 crores from our Bank, State Bank of India and other banks in the district.

TRANSFER PRICE MECHANISM:
The Bank has adopted a fair Transfer price Mechanism on funds lent to and borrowed from internally as under.

Interest rate on funds lent to Head office on total monthly average deposits at 9.50% P.a.
Interest rate on funds borrowed from Head office on total monthly average advances at 8.00% P.a.

FARMERS CLUBS:
The Bank is actively propagating the farmers’ club programme with an objective of development through credit. With a view to involves local people in development and to create a new environment in rural areas, the Bank has promoted 89 farmers clubs during the year taking the total farmers clubs are conducting various developmental activities in rural area like training programmes on cultivation of various crops, pest control measures, soil conservation water management, lift irrigation schemes, modern methods of cultivation, vermiculture, horticulture, dairy farming, sericulture animal health camps, tree planting, community development programmes, literacy campaign etc. The volunteers were deputed to attend krishi Mela conducted at Dharwad, and Gulbarga to expose them to latest developments in Agriculture.

Charabasaveshwar Ratio Koota of our Andola branch bagged district level best formers club awarded by NABARD. Farmers club volunteers deputed to one day training programme on “Community future market” organized by NABARD Gulbarga.

BANK ACHIEVEMENTS:-
Second RRB to achieve 100% CBS (1st RRB among SBI sponsored RRBs and also first RRB in the state).
17th successive repayment camp of Dandothi branch conducted by formers (borrowers) themselves was held on 10.03.2010. Loan amount repaid Rs.263 lochs on the camp day and till the month end Rs 400 lochs.
Bagged prize from NABARD for highest no. of SHG linkage.
1357 fresh SHGs credit linked and 1327 SHGs renewed during the year.
Opened 24505 new KCC accounts against the targets of 16160.
Introduced new advances products like joint liability groups finance and agri gold loans.
Marketed a business of Rs 10700 lochs under advance against warehouse receipts.
Bank has been awarded for best performer amongst RRBs sponsored by State Bank of India.

VISION OF THE BANK:-
“To be the preferred banking institution of the people of our area committed to the improve the living standard of the mass so as to achieve inclusive growth with sustained viability”

MISSION:-
To surpass Rs.2500 crores of total business.
Deposits Rs.1250 & advance Rs.1250 crores.
To earn a minimum net profit of Rs.35 crores .
Migration to core banking solution.
No. of branches 125.
Reduced dependence on Govt deposits.
CASA deposits at least 60% of total deposits.
Nil net NPA.

OUR VALUES:-
Integrity
Commitment
Passion
Seamlessness
Spead

ORGANISATION STRUCTURE:-
The bank’s head office is located at Kusnoor Road,Gulbarga,init’s own building with centralized air conditioning the bank is headed by chairmen a TEG scale VI officer on depertion from State Bank of India & is of the rank of asst general manager .The manager (audits & vigilance)has responsibility of audit & vigilance of all brances,area offices and various department head offices manager are as under head offices.

Personal Department
Credit Management Department
Asset Management Department
Fund Management Department
General Banking Department
Computer cell/Information Technology Department

The Branch network is spread into Two Regions:
Gulbarga Region : 54 Branches
Bidar Region : 48 Branches
Under GM’s Control : 17 Branches
Total : 119 Branches