Credit Appraisal

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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,
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Special thanks to for his continuous encouragement and invaluable supervision of Ms. Laxmi Lakhwani, Credit Manager, Regional Office, Raipur and for correcting me whenever I made mistakes. This project would not have been possible without her. I am grateful to Mr. D V Sonuley, Regional Manager, Bank of Maharashtra for extending all possible help whenever I needed it.

I have to thank Mr. Mehra, Mr. Aseem Baani and Avani Rathod for all the help and to have made my tenure in Bank of Maharashtra a pleasurable experience. Lastly I would like to express my sincere gratitude to all those persons who have directly and indirectly contributed in completion of this project.

Rachna Singh Chandel

EXECUTIVE SUMMARY
It gives me great pleasure to present this project report on “Credit Appraisal Process” at bank of Maharashtra. The project was carried out from 10th May to 10th July 2012.The main objective of the project was to study the process by which banks appraise loans/advances. To know details of the procedure by which banks take the decision of providing a firm with the funded or non funded finance asked by them.
Firms need assistance from the bank in form of funded or non funded facilities to meet their long term medium term or short term requirements.
Business cannot survive without money and availability of money being limited and wants
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