Analytical Study of Retail loan factory Bank of Baroda

Topics: Loan, Mortgage loan, Debt Pages: 60 (10478 words) Published: October 16, 2014

“Analytical study of Retail loan factory in Bank of Baroda with specific recommendation for increasing the retail portfolio”

SUBMITTED BY
NILESH S.JAIN (07)
Emba (BFSI)
ACADEMIC YEAR: 2012– 2014

SUBMITTED TO
MUMBAI EDUCATIONAL TRUST
MET Complex, Bandra Reclamation,
Bandra (West), Mumbai - 400 050
ACKNOWLEDGEMENTS
I feel delighted to express my gratitude and response to all those distinguished personalities who have guided and inspired me for the successful completion of this report. I would like to thank Mr.Kapoor (Chief Manager), Mr.Lohana (Sr.manager), Mrs.D’costa (sr. manager), Mr.Tiwari, Mr.Balyan, Ms.Shah, Mrs.Sinha Mr.Thakar Mr.Vyas Mr.Kale and Mr.Salim who guided me during this period. I express my sincere gratitude for the continuous guidance and encouragement provided to carry out the project work. I am deeply indebted to Mr. Bharat J. Ved for introducing me and for giving me the opportunity to do my Summer Internship Project at Bank of Baroda. I have gratification in expressing my sincere thanks to Mr. Arun Patil and, Mr. Bharat J. Ved for providing the necessary advice and support during the course of this work. My genuine gratitude to all the personnel and staff at Bank of Baroda, who in spite of their busy schedules spared their valuable time to willingly respond to my queries and helped me to gain an in-depth understanding of the processes

CERTIFICATE
This is to certify that the dissertation submitted in partial fulfillment for the award of eMBA Finance (Banking & Insurance), of MET’s Institute of Management is a result of the bonafide research work carried out by Mr. Nilesh Jain under my supervision and guidance No part of this report has been submitted for award of any other degree, diploma, fellowship or other similar titles or prizes. The work has also not been published in any journals/Magazines.

Industry guide:Faculty Guide:
1)1)
2)2)

Signature: ______________Signature: _________________ ___________________ Company: Bank of Baroda
Designation:
1)
2)

Date:Place

STUDENT’S DECLARATION

I hereby declare that this report, submitted in partial fulfillment of the requirement

for the award for the eMBA(BFSI) to MET’s Institute of Management is my original work and not used anywhere for award of any degree or diploma or fellowship or for similar titles or prizes. I further certify that without any objection or condition I grant the rights to MET’s Institute of Management to publish any part of the project if they deem fit in journals/Magazines and newspapers etc without my permission.

Place : Mumbai
Date : --------------------------
Signature

Name : Nilesh Jain
Class : eMBA(BFSI) Roll No: 07

INDEX
SR.NO
TOPIC
PG.NO
1.

SIGNIFICANCE OF THE STUDY
6
2.
INTRODUCTION
7
3.
COMPANY BACKGROUND & INFORMATION
10
4.
TYPES OF LOANS
17
5.
DATA COLLECTION & DATA ANALYSIS
32
6.
THE PROCESS
39
7.
CIBIL
45
8.
PROBLEM FRAMING & PROBLEM ANALYSIS
50
9.
SUGGESTED RECOMMENDATIONS TO INCREASE THE EFFICIENCY OF THE BANK

52
10.
SOCIAL IMPACT
57
11.
MY LEARNINGS
58
12.
CONCLUSION
59
13.
A PEEP INTO THE FUTURE
60
14.
BIBLIOGRAPHY
61

OBJECTIVE OF THE STUDY

To understand the Procedure of retail loan at Bank of Baroda

To know the margins which are assigned to each type of loan

Calculation of loan eligibility

To understand various retail loan which are being given to the customers

Problems faced by Retail customers

New initiatives taken by branch and RLF

Suggested...


Bibliography: AND WEBLIOGRAPHY
Books:
Business policy guidelines 2013-2014 of Bank of Baroda
Retail Lending Scheme of Bank of Baroda
Domestic Loan Policy of Bank of Baroda
Websites:
www.bankof baroda.com
www.moneycontrol.com
www.rbi.org.in
www.investopedia.in
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