A Project Report on Credit Appraisal_farida Akter

8/18/2019 A Project Report on Credit Appraisal_farida Akter

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HOOGLY DISTRICT CENTRAL CO-OPERATIVE BANK

A Project Report on

CREDIT APPRAISAL &

RISK ANALYSIS

Submitted by Farida

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UNIVERSITYofBURDWAN

THE UNIVERSITY OF B*R+,AN. RAJBATI, BAR+HAMAN

2015

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CHANDANNAGAR INSTITUTE OF MANAGEMENT

& TECHNOLOGY Formr! #$o%$ ' C($)$$r Com+,-T( A)m

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Serial Particulars Page

No. No.

1 Introductionlli: 2 History of Bank 5

Bank

< Public

< 7riGate

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: :-: L The Co-operative Bank !

Mai& Feature' !$ B

yEe' u&) o&' o o$oEera Gea& 6

7roblem' o# Co$oEeratiGe Ba&k9

i ! Introduction of Hooghly District Central CooperativeBank

Company Profile 11

ggj;..:-The Chief Functions of Hooghly District Central 12Co-operative Bank

:O Basic Principle 12....................... 2

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ACKNOWLEDGEMENT

I would like to convey my gratitude in this phase to those

responsible persons who have render endless effort for the

completion of this project report, which is spontaneous overflowpowerful feeling. A lot of individuals have rendered their helping

hand to me in completing this study. I take this opportunity to thank

all of them.

I am grateful to Mr. Purnendu Tarafder, project guide as well

as our faculty member of department of Business Administration,

Chandannagar institute of Management and Technology, Chinsurah

because without his help, guidance and advice this project would not

have been completed in the current format.

^

I am thankful Mr. NILANJGN SINHA (C E O) and Mr.

Subhranti Sen (Deputy Manager) of Hooghly District Central Co-

operative Bank Ltd. for providing right the project and heart full

cooperation for the project.**'““"*“ I -

They had specially contributed their precious time despite of

his busy schedule to guide in all respect of his time. I am alsograteful to my friends who providing me relevant information

throughout the project.

Place: C.I.M.T, Hooghly

Date:

Farida Akter

T!le & &"te"ts


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P Vission Mission

10Mission of Hooghly District Central Co-operative Bank

1Lmmm

i 1 Role of Hooghly District Central Co-operative Bank

I& Rural Area 1 I& *rba& Area

11 1

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Types of Loans and Advances given by Hooghfy District

Central Co-operative Bank;

1;13

Credit Appraisal ■11

1L TactorsJ|f Credit Appraisal1! Mechanism Components 6 1m

4)o&omi) Earameter' 9 Q 5•

Ba&ki&" 7arameter' 22

5 Credit Appraisal Process ......23

!

117

Risk Analysis

18Objective of Study 1111 HU

1P Case Study26

20 Calculation of EMI Factors 2P

21 Calculation of Repayment Factors SO

22 Repayment Capacity SO

Cost of the Project SO2L

om

Analysis of Data

• Outstanding position of the Bank

• Financial Indicator• Statement of Classification of Asset

• Position of Net NPA

32

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Charts and graphs

• Deposit of Hooghly District Central Cooperative

Bank• Loans and advances of HD

. -

• Profit Loss Graph

• Credit deposit Ratio

• NPA of HD

3!3

37

38

2 Findings bySWOTanalysis2; Recommendation

1

28 Learning 41 JO Conclusion 42

30 Bibliography _ «


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Banking in the modern sense of the word can be traced toUUU

medieval and early Renaissance Italy, to the rich cities in the northlike Florence, Venice and Genoa.

The Bardi and Peruzzi families dominated banking in 14thV

century Florence, establishing branches in many other parts of

Europe. Perhaps the most famous Italian bank was the Medici bank,

set up by Giovanni Medici in 1397.

The earliest known state deposit bank, Banco di San GiorgioUUU

(Bank of St. George), was founded in 1407 at Genoa, Italy.

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pANKThe word of bank is derived from the Italian banca, which is

derived from German and mean bench.

The term bankrupt and broke is similarly derived from bancaUUU

rotta.

Which refers to an out of business bank, having its bench

physically broken.

*1+ Money lenders in Northern Italy originally did business in open

areas or big open rooms with each lender working from his own bench

or table.

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PUBLIC SECTOR BANKS

y All government owned banks fall in this variety.

y Besides the Reserve Bank of India, the State Bank of India and

its associate banks and about 20 nationalized banks, all comprises

of the public sector banks.

y Many of the regional rural banks that are funded by the

government banks can also be clubbed in this genre.

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y A new wave in the banking industry came about with the private

sector banks in India.

'y With policies on liberalization being generously taken up, these

private banks were established in the country that also contributed

heavily towards the growth of the economy and also offering

numerous services to its customers.

y Some of the most popular banks in this genre are: Axis Bank, HDFC

Bank, ICICI Bank, Kotak Mahindra Bank and SBI Commercial and

International Bank.

y The Foreign Banks in India like HSBC, Citibank, and Standard

Chartered bank etc can also be clubbed here.

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v Societies Act, 1965. ACo-operativeBank is a financial entity which

belongs to its members,who are at the same time the owners

and the customers of their bank.

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Registered under the Co-operative Societies Act

They are governed by the Banking Regulations Act 1949

and Banking Laws (Co-operative

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MAIN FEATURES

As per B.R. Act 1949 co-operative bank cannot undertake

trading activities.

A co-operative bank is prohibited from holding any immovable

property

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Co-operative bank cannot carry on business of banking in

india unless

Minimum paid up share capital and reserves is less than

rupees one lakh.

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r\Types & Function of Co-operative Banks,

India

The co-operative banks are small-sized units which operate both in

urban and non-urban centers. They finance small borrowers in industrialand trade sectors besides professional and salary classes. Regulated by the

Reserve Bank of India, they are governed by the Banking Regulations Act

1949 and banking laws (co-operative societies) act, 1965. The co-operative

banking structure in India is divided into following 5 categories:

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Primary Co-operative Credit Society

The primary co-operative credit society is an association of borrowers

and non-borrowers residing in a particular locality. The funds of the society

are derived from the share capital and deposits of members and loans from

central co-operative banks. The borrowing powers of the members as well as

of the society are fixed. The loans are given to members for the purchase of

cattle, fodder, fertilizers, pesticides, etc.

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Central Co-operative Banks

These are the federations of primary credit societies in a district and

are of two types-those having a membership of primary societies only and

those having a membership of societies as well as individuals. The funds of

the bank consist of share capital, deposits, loans and overdrafts from state

co-operative banks and joint stocks. These banks provide finance to member

societies within the limits of the borrowing capacity of societies. They also

conduct all the business of a joint stock bank.

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State Co-operative Banks

The state co-operative bank is a federation of central cooperative

bank and acts as a watchdog of the co-operative banking structure in the

state. Its funds are obtained from share capital, deposits, loans and

overdrafts from the Reserve Bank of India. The state co-operative banks

lend money to central co-operative banks and primary societies and not

directly to the farmers.

Land Development Banks

The Land development banks are organized in 3 tiers namely; state,

central, and primary level and they meet the long term credit

requirements of the farmers for developmental purposes. The state land

development banks oversee, the primary land development banks situated

in the districts and tehsil areas in the state. They are governed both by the

state government and Reserve Bank of India. Recently, the supervision of

land development banks has been assumed by National Bank for

Agriculture and Rural development (NABARD). The sources of funds for

these banks are the debentures subscribed by both central and state

government. These banks do not accept deposits from the general public.

Urban Co-operative Banks

The term Urban Co-operative Banks (UCBs), though not formally

defined, refers to primary co-operative banks located in urban and semi-

urban areas. These banks, till 1996, were allowed to lend money only for

non-agricultural purposes. This distinction does not hold today. These

banks were traditionally centered on communities, localities, work place

groups. They essentially lend to small borrowers and businesses. Today,

their scope of operations has widened considerably.

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I' G

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The origins of the urban co-operative banking movement in India

can be traced to the close of nineteenth century. Inspired by the success of

the experiments related to the co-operative movement in Britain and the

co-operative credit movement in Germany, such societies were set up in

India. Co-operative societies are based on the principles of cooperation,

mutual help, democratic decision making, and open membership. Co-

operatives represented a new and alternative approach to organization as

against proprietary firms, partnership firms, and joint stock companies

which represent the dominant form of commercial organization. They

mainly rely upon deposits from members and non-members and in case of

need, they get finance from either the district central co-operative bank to

which they are affiliated or from the apex co-operative bank if they work in

big cities where the apex bank has its Head Office. They provide credit to

small scale industrialists, salaried employees, and other urban and semi-

urban residents.

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Problems ©f Co-operative B

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However, concerns regarding the professionalism of urban

cooperative banks gave rise to the view that they should be better

regulated. Large co-operative banks with paid-up share capital and

reserves ofRs.l lakh were brought under the purview of the Banking

Regulation Act 1949 with effect from 1st March, 1966 and within the ambit

of the Reserve Bank’s supervision. This marked the beginning of an era of

duality of control over these banks. Banking related functions (viz.

licensing, area of operations, interest rates etc.) were to be governed by RBI

and registration, management, audit and liquidation, etc. governed by

State Governments as per the provisions of respective State Acts. In 1968,

UCB’s were extended the benefits of deposit insurance.

Towards the late 1960s there was debate regarding thepromotion of the small scale industries. UCB’s came to be seen as

important players in this context. The working group on industrial

financing through Co-operative Banks, (1968 known as Damry

Group) attempted to broaden the scope of activities of urban co-

operative banks by recommending these banks should finance the

small and cottage industries. This was reiterated by the Banking

Commission in 1969.

The Madhavdas Committee (1979) evaluated the role played by

urban co-operative banks in greater details and drew a roadmap for their

future role recommending support from RBI and Government in the

establishment of such banks in backward areas and prescribing viability

standards.

------------------------------------------------------------- Page 9 ------------------------------------------------------------------

The Hate Working Group (1981) desired better utilization of bank’s

surplus funds and that the percentage of the Cash Reserve Ratio (CRR) &

the Statutory Liquidity Ratio (SLR) of these banks should be brought at

par with commercial banks, in a phased manner. While the Marathe

Committee (1992) redefined the viability norms and ushered in the era of

liberalization, the Madhava Rao Committee (1999) focused on

consolidation, control of sickness, better professional standards in urban

co-operative banks and sought to align the urban banking movement with

commercial banks.

A feature of the urban banking movement has been its

heterogeneous character and its uneven geographical spread with most

banks concentrated in the states of Gujarat, Karnataka, Maharashtra, and

Tamil Nadu. While most banks are unit banks without any branch

network, some of the large banks have established their presence in many

states when at their behest multistate banking was allowed in 1985. Some

of these banks are also Authorized Dealers in Foreign Exchange.


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COMPANY PROFILE

TYPE: public

INDUSTRY: Financial Co-operative Bank

FOUNDED: 1966

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Hooghly District Central Co-operative Bank Ltd. Was registered on

29/04/1966 with registration no. 32 (HG) under the W.B Co-operative

society act and W.B Co-operative society rules. Latter on 28/08/1966 the

bank got the license from the RBI. Its area of operation is in the area of

Hooghly District. It has 19 branches through of the Hooghly district

covering all the blocks and municipali ties. It has 143 staff covering 19

branches and Head Office. The H.O of the bank situated at Netaji Subhash

Road, Chinsurah Hooghly. The bank is run by an elected board directors.

In the board of directors of the bank they are representation of government

of W.B.

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3 THE HIEF FUNTIONS OFHOO4HLY 5ISTRIT

ENTRAL O/O+ERATIVEBAN6S ARE7 To attract deposit from non-agriculturist,UUU

> To use excess funds of some societies temporarily to make up forU

shortage in another.

THE BASIC PRINCIPLES ON WHICH A CO-

OPERATIVE BANK WORKS ARE

v A co-operative character of activities and trait of mutual aid ̂

Catering for collective organizations and their members. . ̂

Restriction on the number of individual votes.

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Asaresult, during2007-08,the Primary Cooperative

Agriculture and Rural Development Banks have again

started lending for the Non-Farm Sector including Jewel

Loans.

* At high rates on deposits and low rates on lending.

̂Limitation of dividends out of profits and bonus to

depositors and borrowers or grants to cultural or co-

operative endeavor.

These banks are constituted of voluntary association, self- helpand mutual aid, one share Aiming one vote and

nondiscrimination and equality of members.

T( o-o+r0 $#' r (

or$00o$' o7 $) 7or ( +o+!.

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(ISSION OF THEHOO4HLY 5IST-

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> To retain our banks position as the premier agriculturefinancial services in Hooghly District.

To commit responsive service to the small and managerial

farmers in our role as a development banking.

To help poor SI-lG & JLG members in rural and urban areas

with micro credit and thereby to lift their families out poverty.

To become a sustainable financial institution for the common

masses including the valuable groups of district.

To deliver need based transparent financial services

constantly in a cost effective manner and at an affordable cost.

To play leading role in expanding and diversifying financial

services with responsive services to all types of people in district

on development banking covering priority and non priority

sector.

To act as catalyst for change in attitude an orientation of

banking staff with core insti tutional values.

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Farming

s Cattle

rs ✓ Milk

✓

Hatchery/ ~\■ ✓ Personal finance

The Co-operative banks in urban areasOi finance in activities likeio

✓

Self-employment

/~s✓ Industries

/-a

✓Small scale units

h/ ✓ Home finance

/~s ✓Consumer finance

O/O+ERATIVE BAN6

Co-operative Banks are much more important in India than

anywhere else in the world. The distinctive character of this bank is

service at a lower cost and service without exploitation. It has gained its

importance by the role assigned to them, the expectations they are

supposed to fulfill, their number, and the number of offices they operate.

Co-operative banks role in rural financing continues to be

important day by day, and their business in the urban areas also has

increased phenomenally in recent years mainly due to the sharp

increase in the number of primary co-operative banks. In rural areas, as

far as the agricultural and related activities are concerned, the supply

of credit was inadequate, and money lenders would exploit the poor

people in rural areas providing them loans at higher rates.

Page

Co-operative banks in rural areas mainly

finance agricultural based activities like


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Types of loan & advances Given byOOGL! 5ISTRIT

ENTRAL O

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" Personal Loan " Gold Loan

" Rent Securitization Loan " Mortgage Loan

" Hosing Loan " Educatin Loan " Vehicle

Loan " Group Loan " Project Loan

" Loan Against NSC/RBI Bonds/LIC/KVP)

"#ocess of lendin$ in Co%opanks e$ins

'i() *e+be#s)ip,

In co-op banks the borrowers must be the members

(shareholders) of the bank

There are 2 types of members

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THE HOO4HLY 5ISTRITENTRAL

OO+ERATIVE BAN6LT5- 5ONE--------------------To play as an important Co-operative Financial Institution for all

round development of Hooghly District with National perspectiv by

exacting standards of efficiency and co-operative core values, creating

a challenging knowledge and information sharing environment

through financial products and transparent need based financial

services in a cost effecting including poor SHG &JLC members in rural

Co-operation for Mankind and our Bank for Cooperation


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MPBF Maximum Permissible bank finance calculation is done on the

basis of loan amount.

Ratio

analysisTo check the financial position and repayment capacity of the

borrower.

Financial

statements

To find out the current and projected value of borrower income.

IRR Internal Rate of Return is calculated of the borrower.

DSCRTo check the ability of the project to generate sufficient cash flows

to repay the debt taken to finance the project.

Parameter Norms.............Z.......| Checkpoints[

9h!t %s cre#%t !::r!%s!l;Credit Appraisal is the process by which a lender appraises the

technical feasibility, economic viability and bankability including

creditworthiness of the prospective borrower.

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FATORS OF RE5ITr“\

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(ech!"%sm &m:&"e"ts & re#%t

A::r!%s!l +r&cess Economic Parameters

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4

12 months bank To check the

Hi.. statements need to be av erage amount furnished

client is maintaining

in the account is.. . :

sufficient to pay theinstall men t amount

or not.

Business Two year IT returns To enquire primary

continuity proof made compulsory source of income.

’redit interview For the big loan amount To check the general credit interview is attitude of customer

. .. necessary.along with efforts

are put in to

understand their

RR

T $M \ Asset of value equal to or

needs better.

To safeguard bankBBtS < more than loan amount interest against any

eTo taken has to be put as future default.

pledge or collateral.

To be on the name or blood

relative of applicant.

To establish the

ownership claim of the

loan applicant.

CIBIL Report To check the credit Bank tool to check

history of the applicant..

in loaning history of

. . .

applicant.


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%t A::r!%s!l +r&cess

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Re)eiEt o# aEEli)atio& #rom aEEli)a&t

Re)eiEt o# do)ume&t' Bala&)e '%eet ]C EaEer'+i^ere&t "oGt re"i'tratio& &o. M6A. A6A a&d

7re$'a&)tio& Gi'it by ba&k o_)er'

C%e)k #or RBI de#aulter' li't Yill#ul de#aulter' li't CIBI9data 4C8C Cautio& li't

(itle )leara&)e reEort' o# t%e EroEertie' to be obtai&ed#rom IB emEa&elled AdGo)ate'

/ AXaluatio& reEort' o# t%e EroEertie' to be obtai&ed #romemEa&elled Galuere&"i&eer'

7reEaratio& o# `&a&)ial data S) S)ruti&y &ote by bra&)%

7roEo'al EreEaratio& St A''e''me&t o# EroEo'al

Sa&)tio&aEEroGal o# EroEo'al by aEEroEriate 'a&)tio&i&" aut%ority

+o)ume&tatio&' a"reeme&t' mort"a"e'

+i'bur'eme&t o# 9oa&

7o't 'a&)tio& a)tiGitie' 'u)% a' re)eiGi&" 'to)k'tateme&t' reGieY o# a))ou&t' re&eY o# a))ou&t'

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OBJECTIVE OF STUDY

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Applicant Co-Applicant

Date of Birth 15/6/1976 03/05/1976

Membership No. Applied Applied

Pan No. A0mpp6087B Afzpp6527k

Residential status

:. . . . . .

Ownership Ownership

Area sq.ft. 1250 1250

Address Mogra,station road Mogra,station road

Name & Address of Navami Enterprise, Sahara One , SaharaBusiness

Mograpoint, mogra

Gross Salary P.M. 15000 2,50,000

Net Salary P.M. 14800 2,00,000

Income tax paid 380 7,21,449

N ame of

Loanee

•

Amt Sanctioned Bank Dateof

Sanction

Mr.Uday 89,00,000 Syndicate Bank 03/05/14Ghaisas

Mr.Uday 50,00,000 NKGSB 1/12/14

Ghaisas

!se stu#*Loan

TypeA::l%c!"t

: Housing Loan

: Mrs. Sulogna Ghosh

: Mr. Debasish Ghosh

Amt A::l%e# 7 -.,../...

I"st!llme"t 7 01.1.Details of Applicant & Co-Applicant is collected:

2.Details of Applicant’s family members iscollected.

S.Account Details:

4. Details of Loans & Advances availed from other

bank/financial institution/credit societies:


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Particulars of property A-1823, Garden Estate, Goregaon (w)

Mumbai — 400 062

Area (Sq.ft.) (955)- 653 Sf carpet

Purchase on 6/10/2010

Agreement value 70,00,000

Builder / Vender Name M/s. Vicky Joshi & Co.

Present Value Market Value: 1,10,79,000 lakh

Distress Value: 88,64,000 lakh

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5. Securities: A. Prime (Purchase of flat/house)

mortgage of immovable property:


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6.Details of projected cost/Budget:

Purchase of Flat(Total amt) :70lakh

Advance paid : 30.50lakh

Amt applied : 40lakh

Balance in Account : 10,000

Deficit : Nil

7.Guarantee:2 Sureties

8.Check list of Documents

9.Declaration cum Undertaking by Mortgagers.

10. List of Documents:

Agreement for Sale

Stampduty paid receipt

Registration receipt

Valuation receipt

11. Housing Loan Agreement

1 ̂.Undertaking:

I Mrs. Prachi Ghaisas the borrower will repay 180 EMIsof Rs.

44300/- @10.5%(floating) on daily reducing balance

Purpose: Purchase of Flat

13. Scrutiny by branch:

Full details of applicant,co-applicant,surety 1 & 2.

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........

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As per Agreement (RS.) As per

Government(Rs.)

Value/Costililllll iiiiii i||

70,00,000 51,05,400

Stamp Duty 33260

Reg,charges 30380

.............iliilli

..................I. 73,62,980 54,68,380

90/85/80%of C ost of

project

58,90,384 43,74,704


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Applied : 40.00lakh

% : 90lakh (as per value construction)

Eligible as per repayment capacity : 59083/1105*100000 = 53.47 lakh

Loan Amount Eligibility (Lower of A/B/C of above) = Rs. 40.00 lakh

15. Visit report:

16. Documents Checked:

r Rent income deposit letter

> No share certificate issued by society

> No maintainance received by Society P

CIBIL report explanation letter

P Salary confirmation letter P

Rent agreement P Employer

Bond

P


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iii. Above 6 Y ears250.76 0.51

>??-?? 250.76

Total Doubtful

Assets

(i+ii+iii)

1277.28 2.58

@- U"secure#

& Loss Assets

202.75 0.41 Y Y j i

100.00202.75

SI.

No.

Particulars Current

Year Previous Y ear

l. GROSS ADVANCES 49420.53 44365.34

2. GROSS NPA 2490.86 2696.91

GROSS NPA as Percentage to Gross Advances5.04 6.08

'EOO

Net NPA as a percentage of Net Advances0.32 1.18

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Position of Net NPAfnot performing asset)


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(Rs. In Lacks)

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I f l F f W F B M

^ . ' . , - > . ■ * \ v Si Ct * .

■

2 0 0 9 - 2 0 1 0

■ P

4 9 8 . 6 8

9 0 1 0 - 2 0 1 1 5 8 7 . 4 8

2 0 11 - 2 0 1 2 6 7 5 . 6 4

2 0 1 2 - 2 0 1 7 9 . 1 6

2 0 1 - 2 0 1 4 f ! l v . 7 4

YEAR LOAND &ADVANCES

2009-2010 261.29;

2010-201 1

§g|| g f 11| | 11 ||g|

: 01 1-2012 350.65

2 443.65aHRHp: 494:2 1

HARTS AN5 4RA+HS

DEPOSIT OF HOOGHLY DISTRICT

CENTRAL CO OPERATIVE BANK:

TABLE: 1

4AR

>???

800

" 600

3

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O- 3??

0

2009-10 3?>?/>> 3?>>/>32012-1

DEPOSITS

201-14

#$%!$&l

2009->?

*20 l-

11 2011$

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LOANS AND AVAMCES OFHOOGHL1

DISTRICT CENTRAL COOPERATTV E BANK;

TABLE :2


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LOANS & ADVANCES

2012-1201-14

500

400

00

3?

?100

2009-103?>?/>> 3?>>/>3

#$%!$&l

■ 2

0

0

9

-

4AR

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credit deposit ra tio

2009-2010 52.40

2010-2011 50.54

2011-2012 51.54--- ' ''O7-/7- ' B C7' 2

2012-2013

'A: :

55.93

2013-2014

i: . S': ' ,■ : . ! . ' 111

55.67

2

MM

XT M I■ 11

SF9 2/' 2 0 \ 2IcITcc999999IT99:...

99999999c 11

9 9 I I I I 7 9

9 9 9 9 I 9 9

9 9 9 9

I 9 9 9 9 \ b : : I b c F \

2U c2 / 2 0 ( MHI8HI

:I

%%((((mm II:ISS9:: :S: SSSTSSTS I mmmmmmm7m) IIIII 4IIIIIIIII IIIIIIIIIIII2 0 5 $2 0 54

1

F .

$I /I$M0 . 5 c9999999I99I9 c IIIII FI99 999I9I9: 99999999I9999997I99cI9999...............

PROFIT LOSS GRAPH OF HOQGHLY

DISTRICT CENTRAL CO OPERATIVE

BANK:

TABLE:3

■ 2

0

0

9-

1

PROFIT / (-) LOSS

4.00

.50

.00

" 2.50).O

“ 3-??C6

1.50

>-??

0.50

0.00

2009-10 2010-11 2011-12 2012-1 201-14

4AR

Page4 V

CREDIT DEPOSIT RATIO

TABLE:4

CR4+I( +476SI( RA(I6

2009-10

3?>?/>>3?>>/>3

2012-1201-14

4AR

■ 2

0

0

9-

Page4

NPA OF HOOGHLY DISTRICT CENTRAL

COOPERATIVE BANK

TABLE; 5


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NON PERFORMING ASSET

?3?>>

/>3

2012-1

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FIN5IN4SS9OT ANALYSIS OF

H&&$hl* 5ISTRITENTRAL OO+ERATIVE

sGTHS

1st:;T ilili

r\

RTUNITIES

Introducing New Types of

Customized loan

THREATS

I Inflation

NPA

Page40

REO((EN5ATION

̂IN EVERY BRANCH ONE STAFF ALLOWTMENT FOR DOING

CALLING WORK

̂SYSTEM UPGRADATION

̂BOOKLET OF AGREEMENT/SECURITY DOCUMENTS

LEARNIN4t*U Credit appraisalis done to check the commercial, financial &

technical viability of the project proposed its funding pattern.

< A banker’s task is to identify/assess the risk factors/parameters

& man age/mitigate them on continuous basis.

I worked in loan Department & understood the meaning of

Customer service.

One thing I got is Though all banks are different entities, theyUUU

all are under one roof that is RBI.

P


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ONLUSIONI have gained an enormous insight while doing the project. The

organization for which I get the assignment in one of the leading bank of

our country. So I feel extremely privileged to get myself associated with a

company like this

Finance is not a theoretical affair. The essence of finance could be

realized only when one can get the opportunity to deal with the core

segment.

I am very satisfied for doing my project from HOOGHLY DISTRICT

CENTRAL CO-OPERATIVE BANK LTD.XREDIT APPRAISAL AND RISK

ANALYSIS” as subject.

It is my first project work I have ever done in my life. So naturally

some excitement and expectation increase my sincerity and seriousness.

Page1


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BIBLIO4RA+HY

To complete this project various books and other source of

information have been used which are as follows:

,4BSI(4S:

l.WWW.GOOGLE.CO.IN

B66]S:

1. Financial management system-M.Y. Khan and P.K. Jain

2. Financial management-I M Pandey

3,Management Accounting- Shaski. K. Gupta and R.K.Sharma.

4,Modern Accounting Theory-DebasishBanerjee.

4.Data collected from Hooghly District Central Co-operative

Bank.

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A Project Report on Credit Appraisal_farida Akter

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