Credit Appraisal

Only available on StudyMode
  • Download(s) : 976
  • Published : February 12, 2013
Open Document
Text Preview
CREDIT APPRAISAL PROCESS IN BANK OF MAHARASHTRA

A Summer Internship Project Report

Submitted in partial fulfillment of the requirements of the PGDM (Post Graduate Diploma in Management)
ITM BUSINESS SCHOOL,KHARGHAR SUBMITTED BY:

RACHANA SINGH CHANDEL
(KHR2011PGDM21F216)

UNDER THE GUIDANCE OF:

Mr. Suhas V. Vaishampayam Mr. Narendra Jain Faculty Guide, Company Guide, ITM Business School. Chief Manager, Bank of Maharashtra Katora talab, Raipur

CONTENTS

CERTIFICATE…………………………………………………………………………. 3 DECLARATION………………………………………………………………………. ..4 ACKNOWLEDGEMENT…………………………………………………………… …5 EXECUTIVE SUMMARY…………………………………………………………… ..6 OBJECTIVES……………………………………………………………………………7 RESEARCH METHODOLOGY……………………………………………………….8 LIMITATION…………………………………………………………………………….8 COMPANY PROFILE :

BANK OF MAHARASHTRA……………………………………………………………9 INTRODUCTION……………………………………………………………………….14 CREDIT APPRAISAL……………………………………………..…………………. …18 WORKINGCAPITAL………………………………………………………....................20 TERM LOAN……………………..………………………………………………………. 25 LETTER OF CREDIT……………………………………………………………………31 BANK GUARANTEE……………………………………………………………………32 LOAN ADMINISTRATION……………………………………………………… ……36 CREDIT RISK…………………………………………………………………………….42 CREDIT RATING………………………………………………………………………..43 CREDIT MONITORING……………………………………………. ………………….45 CASE STUDY-1………………………………………………………………………….. 47 CASE STUDY-2………………………………………………………………… ………62 FINDINGS……………………………………………………………………………….. 75 RECOMMENDATIONS & SUGGESTIONS………………………………………… 76 BIBLIOGRAPHY……………………………………………………………………….. 77

CERTIFICATE

This is to certify that the summer internship project submitted by Ms Rachna Singh Chandel, Roll No. KHR2011PGDM21F216 to ITM Business School, Kharghar in the partial fulfillment of the requirement for the award of the Post Graduate Diploma in Business Management is a bonafide piece of work carried out by her under my direct and close supervision and guidance. The contents of this report, in full or in parts have not been submitted in any form to any other institute or university for any other degree or diploma or to any other person.

Mr. Suhas V. Vaishampayam Faculty Guide
ITM Business School
Date-

DECLARATION

I hereby declare that the project report entitled “Credit Appraisal Process in Bank of Maharashtra” which is being submitted in partial fulfillment of requirement for the award of the Post Graduate Diploma in Business Management is my original work and is carried out under the guidance and supervision of Mr. Suhas V. Vaishampayam, Faculty Guide, ITM Business school.

I further declare that I or any other person has not previously submitted this project report to any other institution/ university for any other degree/ diploma or to any other person.

Date:13/07/12

Place: Kharghar, Navi Mumbai

Rachna Singh Chandel
ACKNOWLEDGEMENT

I place on record and warmly acknowledge the timely suggestions and inspired guidance offered by my faculty guide Mr. Suhas V. Vaishampayam, ITM Business School, Kharghar, in bringing this report to a successful completion.

I will remain highly indebted to my Industry guide Mr. Narendra Jain, Chief Manager, Bank of Maharashtra, Katora Talab,Raipur to give me this opportunity to do my summer internship in the company. I owe this wonderful experience of...
tracking img