credit appraisal process of mahindra finance

Topics: Loan, Debt, Mortgage loan Pages: 85 (8695 words) Published: May 23, 2014
A

Summer Internship Project Report
On

“Credit Appraisal Process of
Mahindra Finance”

Submitted By

Debi Prasad Patra
Regn. No. : 1201247159
Batch : 2012-2014

For the Partial Fulfillment of Post Graduate Diploma in Management, under Regional College of Management (Autonomous), Approved by AICTE. Under the Guidance of

External Guide

Internal Guide

Mr. Kalyan Dash

Prof. R. K. Mishra

Associate HR

Asst. Professor

Mahindra Finance, Bhubaneswar

Finance and Accounts, RCM(A)

REGIONAL COLLEGE OF MANAGEMENT (AUTONOMOUS)
Chakadola Vihar, Chandrasekhar Pur, Bhubaneswar – 751023, Odisha Tel : +91 674 2301595 / 2300455, Fax : +91 674 2300421, Website : www.rcm.ac.in

I hereby declare that the Project Report entitled, “Credit Appraisal Process of Mahindra Finance” is my original research based project work, prepared for submission to Mahindra Finance, in completion of the requirement of Summer Internship under the direct guidance and supervision of both my Internal and External Guides, and the project has not formed the basis for the award of any degree, diploma, associate ship, fellowship or any other similar titles, to be submitted to any University or Institution.

Debi Prasad Patra
Reg. No. 1201247159
PGDM : 2012-14
RCM (A)
Date :
Place :

This is to certify that Mr. Debi Prasad Patra, Reg. No. 1201247159, student of PGDM (Full-Time), Regional College of Management
(Autonomous), Bhubaneswar has completed the Summer Internship Project titled, “Credit Appraisal Process of Mahindra Finance” under my supervision, in completion of the requirement of Summer Internship at Mahindra Finance and Partial Fulfillment of his Post Graduate Diploma in Management Course.

Prof. R. K. Mishra
Dept. of Accounts and Finance
RCM (A), Bhubaneswar
Date :
Place :

Table of Contents

Acknowledgement………………………………………………………………...03 Executive Summary……………………………………………………………….04 List of Illustrations………………………………………………………………...05 Chapter 1
1.1 Company Profile……………………………………………………….07 1.2 Objectives of the Study………………………………………………...10 1.3 Scope of the Study……………………………………………………...11 1.4 Methodology…………………………………………………………...12 1.5 Limitations of the Study………………………………………………..13 Chapter 2

2.1 Products‟ Profile………………………………………………………..15 2.2 Loan Products…………………………………………………………..20 2.3 Credit Appraisal Process……………………………………………….28 Chapter 3
3.1 Collection of Data……………………………………………………...44 3.1.1 Primary Data……………………………………………………….44 3.1.2 Secondary Data…………………………………………………….45 Page | 1

Chapter 4
4.1 Analysis of Data………………………………………………………..47 4.1.1 Primary Data Analysis……………………………………………..48 4.1.2 Secondary Data Analysis…………………………………………..68 4.2 Factor Analysis…………………………………………………………69 Chapter 5

5.1 Findings………………………………………………………………...72 Chapter 6
6.1 Suggestions……………………………………………………………..74 6.2 Conclusion……………………………………………………………...75 Annexure………………………………………………………………………….76 References………………………………………………………………………...81

Page | 2

Acknowledgement
I deem it a great pleasure and opportunity to dedicate the following few lines to some persons, who enabled me to complete this Project in the stipulated time period.
I express my obligations and gratitude towards Mahindra Finance, Bhubaneswar and Prof. P.K. Pattjoshi, Dept. of Accounts and Finance, RCM (A), Bhubaneswar for making the arrangements for this incredible Summer Internship Project in the first Place.

I am really indebted to my Internal Guide, Prof. Rama Krishna Mishra, Department of Accounts and Finance, RCM (A), my Project Mentor, Mr. Kalyan Dash, Associate HR, Mahindra Finance, Bhubaneswar and Mr. Sk. Ziauddin, Area Accountant, Mahindra Finance for their invaluable guidance, suggestions and confidence in me.

Their contributions show in many suitable ways and were indeed instrumental in achieving the final results. Last but not the least I am indebted to all those who remained behind the scene but without their help this project would not have been...
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