Credit Appraisal
CREDIT APPRAISAL PROCESS IN BANK OF MAHARASHTRA
A Summer Internship Project Report
Submitted in partial fulfillment of the requirements of the PGDM
(Post Graduate Diploma in Management) ITM BUSINESS SCHOOL,KHARGHAR
SUBMITTED BY:
RACHANA SINGH CHANDEL
(KHR2011PGDM21F216)
UNDER THE GUIDANCE OF:
Mr. Suhas V. Vaishampayam Mr. Narendra Jain
Faculty Guide, Company Guide,
ITM Business School. Chief Manager, Bank of Maharashtra Katora talab, Raipur
CONTENTS
CERTIFICATE…………………………………………………………………………. 3
DECLARATION………………………………………………………………………. ..4
ACKNOWLEDGEMENT…………………………………………………………… …5
EXECUTIVE SUMMARY…………………………………………………………… ..6
OBJECTIVES……………………………………………………………………………7
RESEARCH METHODOLOGY……………………………………………………….8
LIMITATION…………………………………………………………………………….8
COMPANY PROFILE :
BANK OF MAHARASHTRA……………………………………………………………9
INTRODUCTION……………………………………………………………………….14
CREDIT APPRAISAL……………………………………………..…………………. …18
WORKINGCAPITAL………………………………………………………....................20
TERM LOAN……………………..………………………………………………………. 25
LETTER OF CREDIT……………………………………………………………………31
BANK GUARANTEE……………………………………………………………………32
LOAN ADMINISTRATION……………………………………………………… ……36
CREDIT RISK…………………………………………………………………………….42
CREDIT RATING………………………………………………………………………..43
CREDIT MONITORING……………………………………………. ………………….45
CASE STUDY-1………………………………………………………………………….. 47
CASE STUDY-2………………………………………………………………… ………62
FINDINGS……………………………………………………………………………….. 75
RECOMMENDATIONS &
A Summer Internship Project Report
Submitted in partial fulfillment of the requirements of the PGDM
(Post Graduate Diploma in Management) ITM BUSINESS SCHOOL,KHARGHAR
SUBMITTED BY:
RACHANA SINGH CHANDEL
(KHR2011PGDM21F216)
UNDER THE GUIDANCE OF:
Mr. Suhas V. Vaishampayam Mr. Narendra Jain
Faculty Guide, Company Guide,
ITM Business School. Chief Manager, Bank of Maharashtra Katora talab, Raipur
CONTENTS
CERTIFICATE…………………………………………………………………………. 3
DECLARATION………………………………………………………………………. ..4
ACKNOWLEDGEMENT…………………………………………………………… …5
EXECUTIVE SUMMARY…………………………………………………………… ..6
OBJECTIVES……………………………………………………………………………7
RESEARCH METHODOLOGY……………………………………………………….8
LIMITATION…………………………………………………………………………….8
COMPANY PROFILE :
BANK OF MAHARASHTRA……………………………………………………………9
INTRODUCTION……………………………………………………………………….14
CREDIT APPRAISAL……………………………………………..…………………. …18
WORKINGCAPITAL………………………………………………………....................20
TERM LOAN……………………..………………………………………………………. 25
LETTER OF CREDIT……………………………………………………………………31
BANK GUARANTEE……………………………………………………………………32
LOAN ADMINISTRATION……………………………………………………… ……36
CREDIT RISK…………………………………………………………………………….42
CREDIT RATING………………………………………………………………………..43
CREDIT MONITORING……………………………………………. ………………….45
CASE STUDY-1………………………………………………………………………….. 47
CASE STUDY-2………………………………………………………………… ………62
FINDINGS……………………………………………………………………………….. 75
RECOMMENDATIONS &