Credit Appraisal

Topics: Debt, Loan, Interest Pages: 2 (522 words) Published: June 22, 2013
POSTED BY Skyline Business School1 /  February 13, 2012 / POSTED IN Consumer Behavior Study

Name:- Gunjan Bansal
Title: - A Study On“Credit Loan Appraisal “In Icici Bank EXECUTIVE SUMMARY
The study shows that how the ICICI bank gives the loans to its customers. Credit appraisal is done to evaluate the credit worthiness of a borrower. The credit appraisals for any organization basically follow these steps: Assessment of credit need, financial statement analysis, and financial ratios of the company, credit rating, working capital requirement, term loan analysis, submission of documents, NPA classification and recovery.  

The main aim of research is to find out the truth which is hidden and which has not been discovered as yet. Though each research study has its own Specific purpose, we may think of following broad categories:  

* To gain familiarity with a phenomenon or to achieve new insights into it. * To portray accurately the characteristics of a particular individual, Situation or a group. * To determine the frequency with which something occurs or with which it is associated with something else.  

It is a way to systematically solve the research problem. It may be understood as a science of studying how research is done scientifically. In it we study the various steps that are generally adopted by a researcher in studying his research problem along with the logic behind them OBJECTIVES OF THE STUDY:

* Identify various parameter on basic of which credit appraisal is conducted. * To understand the reason for choosing these parameter.
* To identify how score are given against each of these parameter. * Recommendations
a. The study restricted to only one branch.
b. The time constraint was a limiting factor, as more time required carrying out study on other aspects of the topic. c. Due to secrecy it is difficult obtain actual facts and figures of...
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