Verall Performance Review of Ksfe Ltd Thrissur

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PLACEMENT TRAINING REPORT
ON
OVERALL PERFORMANCE ANALYSIS OF
KERALA STATE FINANCIAL ENTERPRISES LTD THRISSUR

SUBMITTED IN PARTIAL FULLFILLMENT OF THE REQUIREMENT OF THE AWARD OF THE DEGREE OF
FROM
UNIVERSITY OF CALICUT
BACHELOR OF BUSINESS ADMINISTRATION

Submitted by: SALI C.S
Enrollment no: 1011614
Reg no: THAKBBA133

UNDER DISTANCE EDUCATION
2012-2013

DECLARATION

I SALI C.S hereby declare that this Placement Training Report entitled “ANALYSIS OF PRODUCTS OF KERALA STATE FINANCIAL ENTERPRISE LTD THRISSUR” by me in partial fulfillment of the requirement for the degree of BACHELOR OF BUSINESS ADMINISTRATION under the University of Calicut.

I also declare that this report has not been submitted by me fully or partially for the award of any degree and title of the recognition earlier

Place:
Date: SALI.C.S

ACKNOWLEDGEMENT

I am extremely glad to present my project report as a part of my curriculum. I take this opportunity to express my sincere gratitude to those who has helped me bringing out of this report

First and foremost I wish to thank god for the blessing showered upon me through out this placement training. I express my deep sense of gratitude on the human resource and accounts department of KSFE for giving me an opportunity to do the training and there by gain as insight in the various activities undertaken by the department.

I am also grateful to my friends and family member’s .I also thank God almighty for giving me the strength and confidence to make the report successful.

SALI C.S

Table of content
Sl.no| Title| Page. No|
1| INTRODUCTION| 7|
| 1.1| RBI definition of NBFC| 10|
| 1.2| Company profile| 14|
| 1.3| Beginning of KSFE| 15|
| 1.4| KSFE at glance| 18|
| 1.5| Organizational structure of KSFE ltd.| 21|
| 1.6| Growth of business over years| 24|
2| FUNCTIONAL DEPARTMENTS| 26|
| 2.1| Functional department| 27|
| 2.2| Production department| 28|
| 2.3| Regions| 29|
| 2.4| Units | 29|
3| FUNCTIONAL AREA STUDIED| 30|
| 3.1| Chitty pillar of KSFE| 32|
| 3.2| Securities acceptable| 34|
| 3.3| New chitty loan | 36|
| 3.4| Pass book loan| 37|
| 3.5| Gold loan scheme| 39|
| 3.6| Fixed deposit| 41|
| 3.7| Sugama deposit scheme| 44|
| 3.8| Loan on fixed deposit | 45|
| 3.9| Reliable customer loan | 46|
| 3.10| Trade finance| 48|
| 3.11| Brief about other major products| 49|
| 3.12| Interest rate at glance| 51|
4| FINDINGS AND SUMMARY| 54|
|
|

INTRODUCTION

INTRODUCTION
Financial enterprises play major role all over the world. Different financial enterprises meet people needs and provide them with product service or both. This has very much helped people to get their needs for this the enterprises need adequate fiancé for their functioning. The success and failure of business more over depends upon its financial strength.

A non-banking financial institution (NBFIs) is financial institution that does not have a full banking license or is not supervised by a national or international banking regularity agency NBFI’s facilitate bank related financial services such as investment, risk pooling contractual saving and market brokering examples of these include insurance firms pawnshops cashier’s cheek cashing locations, current exchange and micro loan organization. Non banking financial institutions (NBFIs) are an important part of the Indian financial system. The NBFIs at present consist of a heterogeneous group of institution that caters to a wide range of financial requirements. The major intermediaries include financial institutions (FIs), non-banking financial companies (NBFCs) and primary dealers...
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