A SUMMER PROJECT STUDY SUBMITTED IN PARTIAL FULFILLMENT FOR THE REQUIREMENT OF THE TWO YEAR POST GRADUATE DIPLOMA IN MANAGEMENT (FULL-TIME)
LAL BAHADUR SHASTRI INSTITUTE OF MANAGEMENT, DELHI
PUNJAB NATIONAL BANK
HO, PNB HOUSE, 7 BHIKAJI CAMA PLACE
Dated: 20th May 2011
Certified that Surbhi Sharma has successfully completed Summer Project Study entitled “Credit Appraisal for Working Capital and Project Financing for Expansion” under my guidance. It is her original work, and is fit for evaluation in partial fulfilment for the requirement of the Two Year Post Graduate Diploma in Management (Full-time).
Mr. Anil Sharma
AGM, PNB HO
I declare that the project entitled “Credit Appraisal for Working Capital and Project Financing for Expansion” conducted at Punjab National Bank, is a record of independent analysis work carried out by me during the academic year 2010-12 under the guidance of my project guide Mr. Anil Sharma, AGM, CD, PNB (HO).
I also declare that this project is the result of my effort and has not been submitted to any other University or Institute for the award of any degree, or personal favour whatsoever. All the details and analysis provided in the report hold true to the best of my knowledge.
I wish to express my gratitude to PUNJAB NATIONAL BANK for giving me an opportunity to be a part of their esteemed organization and enhance my knowledge by granting permission to do summer training project under their guidance.
I am deeply indebted to my company guide, Mr. Anil Sharma (Chief Manager), of Punjab national bank for his valuable and enlightened guidance. He provided me with the opportunity to learn in the bank and spared his valuable time to help me. He provided me with immense opportunity to learn about the working at Credit Administration Department (CAD), HO.
A special thanks to my faculty guide, Prof. Ajay Kumar Chauhan and Prof. Deepak Tandon who has been the chief facilitator of this project and helped in enhancing my knowledge in the field of banking sector.
I am also thankful to the employees of PNB for providing great support and help in completion of the training. I am also highly thankful to Library staff of PNB who provided me the study materials and helped me during training.
The learning during the project was immense and valuable. My work included the study of various aspects of Credit Administration.
LBSIM- New Delhi
EXECUTIVE SUMMARY REPORT
Name: Surbhi Sharma Enrollment No: 75/10 Mobile No: 09999402707 Email Id: firstname.lastname@example.org
Concept: Punjab National Bank has the distinction of being the first Indian bank to have been started solely with Indian capital. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. Industry type: Banking
Address of the organisation: Head Office: 7, Bhikaiji Cama Place, New Delhi-110006
Title: Credit Appraisal for Working Capital and Project Financing for Expansion. Objective: To assess and understand the intricacies involved in assessing permissible bank finance for working capital requirement as per RBI / Bank guidelines and analysis of Term Loan for Corporate. Methodology: Research in the project is conducted with the help of data collected from the CAD and the files of large corporate borrower’s accounts. Also the data is taken from the relevant books and websites. Background: Live project on Working Capital assessment which involves calculation of MPBF...