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
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