PROJECT NO.

1
Topic
Comparative newspaper coverage of different items

Table of Contents
2. Importance of newspaper
1. Introduction different items
4. Comparative study of
3. Different items covered by newspaper
5. Conclusion

1. Introduction
sheets and containing news, articles,
A newspaper is a serial publicationconsistingof folded unstapled and win the loyalty of its
its identity
advertisement and correspondence. Each newspaper tries to establish
techniques and exclusive news
readers through a combination of words, pictures, cartoons, presentations,
stories. Newspaper also contains public grievances and reflects public opinion.
perform both as voice of people
In India, newspapers have undeniably a vital role to play an important duty to
and a builder of public opinion.
among the literate persons,
It is true that the vast majority of the people in this country are illiterate and even from
2/3rds cannot or do not read newspapers.
It is believed that not more than 17% people in India read newspapers. Young men mostly read the sports
news and film reviews, the traders and other business-mindedpeople confine themselves to the commercial
pages which provide them the latest market quotations of shares, stock, etc.
2. Importance of Newspaper
Newspaper performs its true role as a guardian of the public interest, a watchdog and a source of all kinds of
information. Newspapers give us all types of news about our country. Without the newspapers no government
can run successfully. The government policies are published by the newspapers. Newspapers not only give us
the latest news but also publish advertisements for jobs and many other things.
Newspapers give us knowledge about many things of the past and the present. Without these, people cannot
get knowledge and news about the country and the world. Thus, in our society, newspapers are very important.
3. Different Items Covered by Newspapers
(i) National News (ii) International News
(iii) Political News (iv) Business News
(v) Sports News (vi) State News
(vii) Classified News (viii) Educational News
(Ex) Local News (x) Entertainment News
4. Comparative Study of Different Items
Sports News
(1) Headline of Main Sports News (ii) Presentationof News
(iii) Picture of News (iv) Viewsof Experts about that News
(v) Format of the News
 (i) Headline of Main Sports News
(Cricket News):
News on the match played on 5/5/17
between in JPL-2017.
Newspaper Date
(a) The Tribune Headline
05/05/2017 RCB could not make to
(b) The Times of India 05/05/2017
play offs
Big name of RCB failed
(c) The Indian Express again
05/05/2017 RCB skipper could not enter
(ii) Presentation of News: double digits again
(a) The Tribune Presents this news very exclusively
and in details.
(b) The Times of India Presents this news in short.
(c) The Indian Express Presents this news effectively and in a remarkable
manner.
(iii) Pictures of News:
(a) The Tribune Highlights the picture of Kings Xl batsman Maxwellwho scored an
unbeaten 61 in the IPL with RCB in coloured mode.
(b) The Times of India — Presents the picture of Kings XI batsman Maxwell(who drives during
the IPL match in Mohalli) in black and white mode.
(c) The Indian Express Presents the picture of RCB skipper Virat Kohli (who walks off the
field after getting out) in black and white mode.
(iv) Viewsof Experts about the News:
(a) The Tribune Kings XI Coach Sehwag gives his comments on the match as:
"The boys know they are up against a very very talented Indian side.
We have got our noses in front and we want to stay there. It is a two-
match series and we want to win it."
(b) The Times of India RCB player Virat Kohli gives his comments on the match as:
"RCB would come back hard and strong in the next game itself. We
today."
made a few mistakes in the first match but we must plan better
wake-upcall
(c) The Indian Express Sunil Gavasker, a sports critic says that "opening loss a
for Team RCB."
(v) Format of the News:
small columns.
(a) The Tribune Presents the news in a simple way in two
the extended viewsof experts
(b) The Times of India Presents the news in good manner with
in four columns. big
page with some small and
(c) The Indian Express Presents the news at almost full sports
pictures in three columns.
5. Conclusion
in India
That is the function they can perform best
Newspapers are in essence purveyors of news and views. plays
getting popular. So, we can say that newspaper we
today, even though, the radio, TV, computer, etc. are
in different newspapers,for
a very important role in the society. By comparing the news of the same item newspaper
correct and genuine
can judge the truthfulness and standard of that news and can choose the
reading.

End of project 1
PROJECT NO. 2
Topic
Survey •sat-ious of Bank -Xccounts.rate of Interest offered.

Table of Contents
1. Types of Bank -Xccounts.
2. Calculation of Interest.
3. Prevailine Rate of Interest by State Bank of India.
4. Prevailinz Rate ot Interest by Punjab National Bank.

1. Typesot Bank Xccounts: Bank is an institution. attracts money on deposits for the purpose of lending
t
industry. e:c- Recei .ing deposits from the public is an important function of a commercial bank. A
Sank the to open different kinds of deposit accounts VGth facilities to suit the needs of
customers or dep•asitors-There are six main t»es of accounts. a person can open "ith a bank,
•ith proper intre•äuctienand photographs namely-
Fixed or Time Deposit Account-
Sa•.ingsBank Deposit Account-
Current Deposit Account or Current Account.
Re-curing Deposit Account-
Account-
Jan-Dhan Account-
Fixed or Time Depsit Account: Fixed deposit account is one money is deposited for a fixed
and is not supposed to before the e-N'iryof the said period. This period usually
varies IS days to fi'.e years- The rate oi interest allowed on such accounts generally increases \Gth
the period of deposit- This account is also kno•n as Term Deposit Account.
This the mast suitable form of accepting deposits for a commercial bank. Banks allow a higher rate
oi interest to such deposits Customers deposit their money in such account with a view to earn
intereszas •ell as to *ithdraw the same on ttr expiry of the period of the deposit.
Sa<ngs Bank Account: This is an account into small savings are deposited into bank by
the customerss This aeount is meant for the benefit of middle class and low-income group people. Any
Tith a minimum specific deposit can open a Saving Bank Deposit Account.
Cut-eat Account or Account: Sometimes also called •Open Account'. is one in which
can Fe deposited and •ithdraqn at any time during the working hours VGthoutgiving any notice
to the t•enk- ecount ma'. defined as running account between a banker and a customer.Since
customers can deposit money into or •ithdraw monev from their
current accounts whenever they like,
to keep money *ith a hank rather than in their oqn
cash box from where it can be lost
stolen- Current aaüznts suit the requirements of
businessmen. companies. corporations. instituti011S'
firms. etc-
Ikposü In a this account- predetermined amount
is deposited into account
rate of interest is normany equal to the rate
of interest payable on a term Deposit Account
of the that issthe tenure of a Recurring Deposit-
In case of need, premature withdrawal
 (v) Flexible Accounts: These accounts combine the characteristics
and benefits of SavingsAccount
and Fixed Deposit Account. In such accounts a fixed deposit
account is opened tor the maturity
periods available and a Savings Account is also opened. 'I'he
amount in fixed l)eposit Account
is treated as units of 1000 each. In case of customer needs
money in excess of balance in the
Account. the requisite amount be transferred out of fixed deposit A/c in
1000each along vsith interest payable on the amount. units of
ATM (Automatic Teller Machines): The banks, which have computerised high tech
branches, are providing
round the clock banking facilities through ATM. The facilities through ATM can
differ dependingupon
the soft-warebeing used. A Savings Account holder or a Current Account holder,
who is individualor
proprietor can obtain the ATM card.
(vi) Jan-Dhan Accounts: This account can be opened in any bank under. PMJDY with zero balance. Toopen
this account. any one of the following documents are required:
(a) Indian passport (b) Driving license,
(c) PAN Card (d) Voter ID card
(e) Aadhar Card (f) Ration Card
(g) NREGA Job Card
2. Calculation of Interest:
(a) Calculating Interest on a Savings Bank Account: To calculate the interest on a Savings Account proceed
as under:
(i) inter.' the month is calculated on the minimum balance between the 10th day and the last
dav of the month.
(ii) convert the minimum balance of each month as a multiple of e 10. No interest is paid up to
(iii) add all these balances. However, if the same balance continues for n months then multiplythis
balance by n, rather than writing it n times and then adding.
(iv) find the simple interest on this sum for one month.
(v) if the interest is less than l, neglect it.
(vi) no interest is paid for the month in which the account is closed.
e.g. A page from savings bank passbook of Mr. Brar is given below:
Date Withdrawals Deposits Balance
Particulars
Year 2004
January I 3142.35

January 1 By salary 2718.50 5860.85

January 6 To self 2500.00 3360.85

January 13 To cheque 255.00 3105.85

February 3 By salary 2805.40 5911.25

March 2 2805.40 8716.65

By salary
March 10 3000.00 5716.65
To self
2805.40 8522.05
April 4 By salary
5897.05
April 23 To cheque 2625.00
3060.70 8957.75
May 5 By salary
3957.75
May 8 To self 5000.00
650.00 4607.75
May 13 By cash
this period
Mr. Brar closes his account in the period ending May 2017. Calculate the interest earned for
if the rate of interest is 5%.
 Solution: project 2
Month Minimum balance Qualifyingamount
between 10th and last day for interest
January 3105.85 3110.00
February 5911.25 5910.00
March 5716.65 5720.00
April 5897.05 5900.00
May 3957.75 3960.00
TOTAL 24600.00
Principal for one month = 24600
Time = 1/12years
Rate = 5% per annum
Interest =
100
24600 x 5 x 1
Interest = = 10250
(b) Calculating Interest on a Recurring Deposit Account:
e.g. Aman has a Recurring Deposit account of 2500 per month for a period of 6
years. interest
will he get at the time of maturity if the rate of interest is 11.5%p.a.?
Solution:
Equivalent principal for one month = 2500
Time = 6 years (72 months)
Rate of interest = 11.5% per annum

Interest = 1
100 12
(Where I = monthly instalment,n = no. of months, r = rate of interest)
2500 x 72 x (72 + 1) 11.5 1
Interest = x
2 100 12
Interest = 62962.50
3. Prevailing Rates of Interest by State Bank of India:
Fixed Deposit:

Duration Rate of Interest

7 days —45 days 5.5 %
46 days —179 days 65 %
180 days —210
211 days— 1 year 6.5 %
1 year 455 days 6.9 %
456 days 2 years 6.9 %
Recurring Deposit 5.5%
Savings Account 3.5% per annum.