...“CREDIT APPRAISAL PROCESS ON WORKING CAPITAL FINANCE IN HDFC BANK (MSME)” A summer internship project submitted in partial fulfilment of the requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION By BIPIN CHANDU M Register No 1220310 Under the guidance of PROF. KRISHNA M C Institute of Management Christ University, Bangalore MBA 2012-2014 DECLARATION I, , do hereby declare that the summer internship project entitled Credit Appraisal Process on Working Capital Finance at HDFC Bank (MSME) has been undertaken by me for the award of the degree of Master of Business Administration. I have completed this study under the guidance of Prof. Krishna M, Professor of Finance, Institute of Management, Christ University, Bangalore. I also declare that this project work has not been submitted for the award of any degree, diploma, associate ship or fellowship or any other title in this University or any other university Place: Bangalore Date: (Name & Signature of the Candidate) Bipin Chandu M Register No 1220310 CERTIFICATE This is to certify that the summer internship project submitted by Mr Bipin Chandu M on the title “Credit Appraisal Process on Working Capital Finance at HDFC Bank (MSME)” is a record of research work done by him during the academic year 2012 – 14 under my guidance and supervision in partial fulfilment of Master of Business Administration. This project work has not been submitted for the award of any degree, diploma, associate ship or fellowship...
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...Project report on credit appraisal in banks pdf A PROJECT REPORT ON CREDIT APPRAISAL - Free download as Word Doc.doc.docx, PDF File.pdf, Text file.txt or read online for free. CREDIT POLICY OF COMMERCIAL BANK y Commercial banks and its. As the credit appraisal is one of the crucial areas for any bank, some of the. Credit risk management state bank of india project report mba.Keywords: Credit Appraisal, MSME, NPA, Lakshmi Vilas Bank. 2-05, Requirements for the Appraisal Report 10252011. They report that 41 financial ratios are considered important, given citation in one more of. The bank must bring more transparency in appraisal of the project there should be.Project on hdfc read may be help ful to you pdf Download. Hii there,i need a report on credit appraisal process in a bank.if anyone have any resource. 1 of 2: P4812.pdf. Credit appraisal or project planning must be viewed as a process of. Once the SEM, on the basis of its evaluation of the flash report, decides that the project justifies a detail appraisal, it nominates lead financial institutions.Project Credit appraisal is done by banks or financial institutions by. Internal Circulars of the bank Research papers, power point presentations and PDF files.Credit Appraisal at Allahabad bank can be categorized under 3 heads. A detailed project report covering marketability and Techno-economic feasibility in.technical viability of the project proposed its funding pattern. Credit appraisal means an investigationassessment...
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...Evaluation Practices, Compensation and Reward Practices of Merchant Credit of Sri Lanka Ltd | Human Resources Management | Group Assignment March 13, 2011 | ANURUDDHA M W R BSC-I14-011 10113704 MENDIS A D M BSC-I14-096 10295313 KUMARAGE L K N S BSC-I14- 087 10296549 LIYANAGE K L C BSC-I14- 090 10295615 RABEL T D BSC-I14-126 10296662 SUBASINGHE D P M BSC-I14-156 10296441 WIJERATNE D D BSC-114-185 10295674 National Institute of Business Management Colombo 07 What is Performance Management? Performance Management is the systematic process by which an organization involves employees in improving organizational effectiveness in the accomplishment of organization’s goals and objectives. In other words, performance management is a strategic approach to managing the business. Its aim is to improve organizational effectiveness and add value by enhancing existing capabilities and building new ones. It is largely concerned with the continuous development of the organization’s broad strategic capabilities and the specific capabilities of individuals and teams. It is a strategic in the sense that it deals with: * The broader issues that the business has to face in its changing environment. * The general direction in which the business intends to go to achieve long term goals. Introduction of Merchant Credit of Sri Lanka (MCSL) Merchant Credit of Sri Lanka (PVT) Ltd is basically a finance company which...
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...NBFIs always play a major role in our country’s economy. The number of branches of private bank and NBFI is increasing day by day. As the number is increasing, the competitive environment is making the firms to be more aggressive, innovative and diversified. As a NBFI, United Leasing Company (ULC) was established in 1989 by reputed foreign and local institutions in collaboration with IDA. The objective was to create an Institution that will cater to the investment needs of our economy. As the competition is rising in the market, so ULC is also going through some changes of processes. They have introduced a department for analyzing clients before financing named Credit Department for all types of financing including small, medium and corporate enterprise financing. This internship report is about the credit approval process for Small Enterprise Financing in ULC. 1.2 Origin of the report Now a day, education is not just limited to books and classrooms. In today’s world, education is the tool to understand the real world and apply knowledge for the betterment of the society as well as business. From education the theoretical knowledge is obtained from courses of study, which is only the half way of the subject matter. Practical knowledge has no alternative. The perfect coordination between theory and practice is of paramount importance in the context of the modern business world in order to resolve the...
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...________ Credit Appraisal System in Allahabad Bank Dr..Rosy Kalra* __________________________________________________________ Finance is required at every stage of business either for meeting day to operations or for starting up a new project. One of the important sources of raising finance is loans from banks. Commercial lending is one of the prime functions of any bank. But how does the bank appraises the creditworthiness of a borrower? What are the criterions to be fulfilled for granting loans? What are the tools used by the banks to appraise the loan proposal? These questions are being answered in this paper. This paper describes the credit appraisal process followed in Allahabad Bank. * Assistant Professor, Department of Accounting and Finance, Amity Business School, Amity University, Noida. A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories Indexed & Listed at: Ulrich's Periodicals Directory ©, U.S.A., Open J-Gage as well as in Cabell’s Directories of Publishing Opportunities, U.S.A. International Journal of Management, IT and Engineering http://www.ijmra.us 537 May IJMIE Volume 2, Issue 5 ISSN: 2249-0558 2012 ___________________________________________________________ Companies can avail a variety of credit facilities from banks for meeting the requirement of funds. The various credit products which can be availed are listed belowFunded Credit Facilities- it...
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...Performance Appraisal Systems In the Retail Industry Performance Management Systems Introduction Performance management is an ongoing process and one of the most important responsibilities of a manager's job. The company I work for has a very detailed and efficient performance management system. The appraisals are fair and uniformly applied to all employees. Every associate in the company is reviewed quarterly and annually. The performance appraisals help management review the company’s results for previous year and help the employees establish personal job objectives for the upcoming year. They also help to identify opportunities for the continued development of each associate. Overview The BonTon Stores, Inc. is committed to providing an environment that supports their associates by providing objective and subjective feedback from their respective supervisor. The annual process of performance appraisal is an opportunity for associates and their managers to have candid and open discussion on performance in order to help all associates reach their maximum potential. Companies can also use performance appraisal systems to make sure that their company objectives and goals are written with each other. “By ensuring that compensation is aligned with their strategic objectives, companies stand a better chance of achieving those objectives and maintaining a competitive edge over their competitors” (McDermott, 1987). Through improved performance of each associate...
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...become a Certified Residential Appraiser 1- 200 hours of board approve courses pertaining to REAB including 15 hours of the Uniform Standards of Professional Appraisal Practice. 2- Provide proof of higher education a 2 year associate degree or higher. An applicant can also provide 21 semester hours of English composition, Principles of economics, Finance, Algebra and economics. 3- Submission of application, fees and fingerprint cards. 4- A RE 2300 Form, stating that the applicant has 2500 hours of real property appraising over a period of 24 months. 5. Successful completion of the Residential National Exam. 6. Complete a RE-2065-1 stating where one conducts the appraising. Steps to become a Certified General Appraiser 1- 300 hours of board approve courses pertaining to REAB including 15 hours of the Uniform Standards of Professional Appraisal Practice. 2- Provide proof of a 4 year bachelor degree or higher. An applicant can also provide 30 semester hours English composition, Micro and Macro economics, Finance, Algebra, Geometry, Statistics, Computer science, either Business law or Real State Law. 3- Submission of application, fees and fingerprint cards. 4- A RE 2300 Form with evidence of 3000 hours of property appraising over a 30 month period. 50% or more of this experience must be in nonresidential appraisal. 5- Successful completion of the Residential National Exam. 6-Complete a RE-2065-1 stating...
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...1. Carolinas Telco Federal Credit Union will originate residential real estate loans in compliance with all applicable federal and state laws and regulations. Mortgage loans will be held in portfolio or sold on the secondary market. 2. If a member disagrees with the denial and/or the reasons for the denial, the member may appeal the decision directly to the Board of Directors, in written format, asking the Board of Directors to review the application and subsequent supporting information, and render their own decision on the application. 3. It will remain the policy of Carolinas Telco FCU to deny any member who has previously caused or is in the process of causing (being seriously delinquent) a financial loss to the Credit Union. 4. Bankruptcy,...
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...A RESEARCH PROPOSAL ON “CUSTOMERS’ PERCEPTION RELATED TO CREDIT APPRAISAL POLICIES AND PRACTICES OF SELECTED BANK LOANS IN U.T. OF DADRA AND NAGAR HAVELI’’ Submitted to Post Graduate Department of Business Studies Sardar Patel University VallabhVidyanagar Submitted by Dipankar Prajapati Asst. Professor at SSR College of ACS, Silvassa U.T. of Dadra and Nagar Haveli. INTRODUCTION__________________________________________________ BANKING SYSTEM IN INDIA Banking is believed to have existed in the most crude form in India, as early as Vedic period. Money lending was common practice in India, with the ancient people. The Puranas and Smritis mention about money changing and money lending. Manusmriti contains reference regarding deposits, pledges, policy on loans and rates of interest. Kautiliya’s Arthashastra also speaks extensively on banking practices in ancient India. The banking system of a country occupies a pivotal role in functioning and development of a country’s economy. In fact, it lies at the core of money market and also plays a complementary role in supporting the capital market. It is necessary to remember that the structure of the banking and financial system of any country is neither created at one stroke, nor is it permanent for all times to come. The fact of the matter is that various institution get evolved over a period of time, either through the trial and error method adopted by the people or at the instance of government. ...
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...Introduction Activity-based costing (ABC) is a methodology of costing that recognizes activities in an organization as a whole and then allocates the cost of each activity or transaction with resources to all services and products in accordance to the actual consumption by each of the cost. This model assigns more indirect costs into the direct costs when it is being compared to conventional or traditional costing. According to CIMA (Chartered Institute of Management Accountants), ABC is a medium to approach the costing and hence monitor the activities which involves two components: • Tracing resource consumption • Costing final outputs Resources are assigned and allocated to various activities, and further these activities are allocated to cost objects based on consumption estimates that are made through analysis and trend. The latter utilize cost drivers which are assigned to attach activity costs. Aims of Model With ABC, an organization can effectively and efficiently evaluate the cost elements of all the products, activities and services. This helps a company to make decisions which can be either: • Recognize and eliminate those activities that are non profit making and lower down the prices of the ones that are priced high • Or recognize and eliminate processes that are not effective and allocate processing concepts that lead to similar product at a better output Methodology Methodology of ABC mainly focuses on the allocation of cost in management. ABC...
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...interest margin (NIM)? What deposit mobilization? Why these days the mobilizations are going down? What are the factors effecting deposit mobilization of a bank? What is RBI Credit Policy and how RBI control money supply and interest rate (definition and importance of CRR, SLR, Repo rate, Reverse Repo rate and Bank rate). What are the Securities qualify for SLR requirement of a bank? What is Open Market Operation (OMO) of RBI? What is base rate of a bank, how it is different from BPLR (Banks Prime Lending Rate). What is Credit rating and how it helps banks in credit appraisal of company. What is the process of the credit rating? If client approaches you for a project loan than how you are going to assess the credit worthiness of the client (important ratios use for credit appraisal) dead services coverage ratio, interest coverage ratio, etc. If you are working with a bank then are the important ratios for credit appraisal? What are your strengths weakness for your banking jobs? Do your SWOT analysis for a bank job. What are the main functional areas in a bank for finance professionals (treasury related jobs, risk management, credit appraisal, loans indication, merchant banking). What is IRR, how it is used for project appraisal by a bank? What is loan indication? How it is done. What is under writing in this process? What is non-fund based financing by a bank, how it is different from fund based financing while analyzing the balance sheet of our bank, where we can see the details of...
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...Commercial Bank Management (CBM) Credits: 3 ------------------------------------------------- ------------------------------------------------- Course Instructor: Prof. D N Panigrahi Objectives of the course: The course inputs are designed to accomplish the following objectives. * To help students to understand the role and functions of Commercial Banks, main strategic issues in retail and corporate banking and the risks faced by the Banking Industry in India. * To familiarise the students with the new Banking Practices and Processes including new banking technologies. * To familiarise the students with the legal and regulatory framework for banks in India. * To equip the students with the tools and techniques used in interpreting and evaluating the performance, profitability, productivity, and efficiency of the Commercial Banks. * To equip the students with the in-depth knowledge of Bank Financial Management Process including Treasury, Investment, Asset Liability Management & Risk Management. * To equip the students with the in-depth knowledge and skills in Credit Analysis & Appraisal Processes relating to the banks’ lending decisions like Working Capital Financing, Term Loan & Project Financing, Domestic & International Trade Finance including Export-Import Finance, BG (LG) & LC, Retail Asset Financing like Home Loans, Car Loans, Educational Loans, Gold Loans, Loans ag. Securities, Personal and Credit Card Loans. * To understand...
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...Vegetron Case PFA End Term Exam Vaibhav Gupta, Roll No. 18 13 What is Credit Appraisal? Credit appraisal means an investigation/assessment done by the bank prior before providing any loans & advances/project finance & also checks the commercial, financial & technical viability of the project proposed. Proper evaluation of the customer is preferred which measures the financial condition & ability to repay back the loan in future Credit appraisal is the process of appraising the credit worthiness of the loan applicant Factors like:» Age » Income » Number of dependents » Nature of employment » Continuity of employment » Repayment capacity » Previous loans, etc. are taken into account while appraising the credit worthiness of a person. 5 ‘C’ of credit are must be kept in mind for lending funds:» Collateral » Condition » Capital » Character » Capacity If any one of these are missing in the lending officer must question the viability of credit Credit Risk Assessment The CRA models adopted by the Bank take into account all possible factors into appraising the risks, associated with a loan. These have been categorized broadly into financial, business, industrial & management risks are rated separately. These factors duly weighted are aggregated to arrive at a credit decision whether loan should be given or not Financial parameters: The assessment of financial risk involves appraisal of the financial strength of the borrower based on performance & financial indicators...
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...2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institute of Business Management 23/3/2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institu of Business Manag itute agement A Grand Project Report on rand Credit Risk Manag anagement at State Bank of M k Mysore (IN PARTIAL FULFILLMENT OF PROJECT STUDY COURSE, IN TWO YEARS FULL TIME LMENT O WO YEAR MASTER OF BUSINESS ADMIN SS ADMINISTRATION PROGRAMME OF GUJARAT U UJARAT UNIVERSITY) Submitted To: Prof. Dharmesh Shah hah (Asst. Professor, NRIBM) Submitted By: Subm Sandip A. Makwa (08056) akwana Luv D. Palk (08064) . Palkar Prof. Viral Pandya (Asst. Professor, NRIBM) (Batch: 2008-10) N. R. Institu of Business Management nstitute ent CERTIFICATE This is to certify that Mr. Sa ndip A. Makwa wana (08056) and Mr. Luv D. Palk alkar (08064 ) students of N.R.Institute of Business Management has successf te essfully completed their grand project on “Credit Risk Management at State Bank of Mysore” “Credit Mysore” Ba in partial fulfillment o two years Master of Business Administration of s A Programme of Gujarat University. This is their original wor and has not t U work been submitted elsewhere ere. _________________________ Dr. Hitesh Ruparel Director In-charge, NRIBM _____________________________ Prof. Dharmesh Shah Asst. Professor, NRIBM & Internal Project Guide ______________ _______________________ Prof. Vir Pandya...
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...PROJECT REPORT ON {Commercial Credit Appraisals} “It Revolves around Character, Collateral & Capacity” FOR {HDFC Bank} BY () Submitted in partial fulfillment of requirements for award of Post Graduate Diploma in Management ATHARVA SCHOOL OF BUSINESS Marve Road, Charkop Naka, Malad (W), Mumbai 400 095 DECLARATION I hereby declare that the Project titled "{Commercial Credit Appraisals With HDFC Bank Ltd}" submitted as a part of the study of Post Graduate Diploma in Management (PGDM) is my original work. The Project has not formed the basis for the award of any other degree, diploma, associate ship, fellowship or any other similar titles. Place: Mumbai Date: CERTIFICATE This is to certify that () has completed the Project "{Commercial Credit Appraisals}" under the guidance of Prof. in partial fulfillment of the requirements for the award of Post Graduate Diploma in Management for the academic period 2009-11. Signature of the Guide Signature of the Director Place: Mumbai Date: ACKNOWLEDGEMENTS I take this opportunity to express my gratitude and extend my thanks to all those whose help and guidance made this endeavor successful. I extend my sincere thank to Shri Sunil Rane, Executive President, Atharva Education Trust; Shri N. S. Rajan, Dean...
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