Non Performing Assets of

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HSIIDC A STUDY ON NON PERFORMING ASSETS
OF

HARYANA STATE INDUSTRIAL & INFRASTRUCTURE
DEVELOPMENT CORPORATION LIMITED (An ISO 9002 certified Institution)
PROJECT REPORT

Submitted in partial fulfillment of the requirement for the award of Two year full time, Masters in Business Administration.

By
Bhavna Agrawal

DEPARTMENT OF MANAGEMENT
LOVELY PROFESSIONAL UNIVERSITY
PHAGWARA (2009-2011)

ACKNOWLEDGEMENT
I owe my gratitude to the entire staff of finance, personnel &administration department for their co-operation, without which not have possible to carry out my training successfully. I feel highly obliged to Mr. Vijay Godara, manager (P&A) for making arrangements and for their extreme support. I wish to express my sincere thanks Mr. Mahaveer Singh, DGM (finance) for encouraging me. I am also indebted to Mr. Satish Bansal, AGM (finance) and my mentor for their extreme support and guidance given during the project study. I would like to thanks Mr. Satyanarayan and Mr. Naresh for their co-operation extended during the project studied. I acknowledge my gratitude to Mr. Amarjeet Saini (Lovely Professional University), for his extended guidance, encouragement, support and reviews without his guidance this project would not have been a success.

BHAVNA AGRAWAL

TABLE OF CONTENTS
1. Executive summary
2. Corporate profile- HSIIDC
a. introduction
b. objective
c. quality policy
d. financial services offered by HSIIDC
3. objective of the study
4. literature review
5. research methodology
6. study of NPA accounts
a. introduction
b. definition
c. settlement formula
d. one time settlement scheme
e. definition of doubtful accounts as per the policy
7. factors for rise in NPAs
8. impact of NPA
9. early symptoms by which one can recognize a performing assets turning into NPA 10. preventive measures of NPAs
11. provisioning norms
12. analysis of study
a. NPAs in HSIIDC
b. HSIIDC v/s other banks
13. Recovery process
14. Case study on NPA- M/S JYOTI OIL INDUSTRIES LTD.
15. Findings
16. Suggestions
17. Bibliography

EXECUTIVE SUMMARY:
The project on Non Performing Assets has been a very good experience. Every financial institution and bank faces the problem of Non Performing assets in their day-to-day processes. An organization’s cost reduced and the profits increase if it is able to manage its Non Performing Assets. Project finance is one of the core functions of the financial institutional. It is highly specialized function which requires utmost care at every stage of sanction, disbursement, recovery and follow-up, with a view to improve the quality of the portfolio, appropriate steps are required to be initiated to identity the incipient sickness and ultimately to keep this level of non-performing assets within the accepted norms. This report is an attempt to study in detail the system of financial analysis followed in HSIIDC and the apparent factor leading to potential NPAs. Thus the report deals with organization details of HSIIDC, guidelines of RBI regarding NPAs with a case study of JYOTI OIL INDUSTRIES.

corporate profile- hsiidc

Introduction- HSIIDC
Haryana state industrial development corporation is one of the leading contributors to the well being and progress of the Haryana state. It has been instrumental in bringing about a major change in the lives of the people of Haryana over the years. The pioneering zeal of HSIIDC has facilitated the transformation of Haryana from a primarily agrarian society to one of the most highly...
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