ACKNOWLEDGEMENT

Motivation causing people to act in certain direction is very necessary for the success of any task. Behind every

successful student there is a Teacher. I feel happy and

proud to mention those who motivated me and contributed directly or indirectly in making this project successfully. I take this opportunity to express my sincere thanks to my guide Miss. Yashodha H, L., Lecturer, Department of Commerce, Smt. Indira Gandhi Government First Grade Womens College, Sagar. I would like to offer my whole hearted gratitude to all Faculty Members, Dept of P.G Studies in Commerce Sagar, and friends for being so encouraging, supportive and for bearing throughout the study. I would like to offer my sincere thanks to bank manager and staff for their cooperation.. I am pleased to place my profound etiquette to my beloved parents and to my brothers and sisters for their encouragement, affection and love throughout my career.

Date: Place:Sagar Reg.No. MCM11363 Semester Miss lalithashree. C.k ssMcom. IV

Department of Commerce

DECLARATION
I do hereby declare that the desertion entitled performance evolution and credit facilities of UCBs

Analysis

in shikaripura

has been carried out by me

during the academic year 2012-13 in partial fulfillment of the requirement for the program me of Master of Commerce in Post Graduate Studies, under the guidance of Miss.yashodha

H.L., Lecturer, Department of Commerce,

I further declare that this work has not been previously submitted by other or me for any purpose either in this university or any other university.

Place: Sagar. Date: Reg.No.MCM11363

Lalithashree.c.k M.com Student Department of Commerce

KUVEMPU

UNIVERSITY

DEPARTMENT OF P.G.STUDIES IN COMMERCE , SAGAR-577401

CERTIFICATE FROM PRINCIPAL

This is to Certify that MISS. LALITHASHREE.C.K is a bonafide student of the Department of Post Graduate Studies in Commerce, during the academic year 2011-12, The project report on PERFORMANCE

EVOLUTION AND CREDIT FACILITIES OF

UCBS AN ANALYSIS IN SHIKARIPURA has been prepared by

her in partial fulfillment for the award of degree of Master of Commerce under the guidance of

MISS.

YASHODHA

H.L,

Department of Commerce,

Date: Place: Sagar Reg.No.MCM11363 (Principal)

KUVEMPU

UNIVERSITY

DEPARTMENT OF P.G.STUDIES IN COMMERCE , SAGAR-577401

CERTIFICATE FROM HEAD OF THE DEPARTMENT

This is to Certify that MISS. LALITHASHREEC.K is a bonafide student of the Department of Post Graduate Studies in Commerce, during the academic year 2012-13, The project report on

PERFORMANCE EVOLUTION AND CREDIT FACILITIES OF UCBS AN ANALYSIS IN SHIKARIPURA - has been prepared by
her in partial fulfillment for the award of degree of Master of Commerce under the guidance of

MISS.

YASHODHA

H.L,

Department of Commerce, Date: Place: Sagar Reg.No. MCM 11363

KUVEMPU

UNIVERSITY

DEPARTMENT OF P.G.STUDIES IN COMMERCE SAGAR-577401

CERTIFICATE FROM GUIDER

This is to certify that MISS. LALITHASHREEC.K is a bonafide student, Department of Post Graduate Studies in Commerce, during the academic year 2012-13. The project report on PERFORMANCE

EVOLUTION AND CREDIT FACILITIES OF UCBS AN ANALYSIS IN SHIKARIPURA is his original work, which is submitted in partial
fulfillment for the award of the degree of Master of Commerce, under my guidance and supervision.

Date: Place: Sagar

Miss. Yashodha

H.L.
Reg.No. MCM11363.
.

Department of Commerce

KUVEMPU A

UNIVERSITY

Dissertation on

PERFORMANCE EVALUATION AND CREDIT FACILITIES OF UCBS AN ANALYSIS IN SHIKARIPURA

Submitted By: LALITHASHREE C.K M.com [Final] [Register Number: MCM11636]

Under the Guidance of: Mrs. YASHODHA H. L. M.Com.,

Department of Commerce,
Smt. Indira Gandhi Government First Grade Womens College,

SAGAR - 577401

Submitted in partly fulfillment of the requirement for the award of the degree of

MASTER OF COMMERCE

May 2013