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PROJECT REPORT
ON
HOME LOAN
REFRANCE TO NAGAR NAGARI SAHAKARI
PATHASANSTHA
HADAPSAR BRANCH.
SUBMITTED BY
FARGADE SNEHAL VIJAY
SUBMITTED TO
SAVITRIBAI PHULE
PUNE UNIVERSITY
Through
(JSPMS)
JAYAWANTRAO SAWANT INSTITUTE OF MANAGAMENT & RESEARCH,
HANDEWADI ROAD, HADAPSAR, PUNE-28
DECLARATION
Date:
Place:
ACKNOWLEDGEMENT
It gives me the great pleasure to express our deep sense of gratitude toward director
of Jaywantrao Sawant Institute of Management and Research, for her valuable guidance, inspiration
and wholehearted involvement during every stage of this project. Her experience, perception and
through professional knowledge, being available beyond the stipulated period of time for all kind of
guidance and supervision and ever-willing attitude to help, whose embellished ideas helped us to
blossom our endeavors without whose considerable approach and insight, this project would never
have been possible and have greatly influenced the timely and successful completion of this project.
I would like to thanks director of JSIMR and also like to thanks to prof. Vaishali
Nikam project guide of Jaywantrao Sawant Institute of Management and research for her help and
suggestion.
INDEX
CHAPTER
TITLE
NO.
Executive Summary
1
Research Methodology.
Company Profile.
Findings. Suggestion.
Conclusion.
.Bibliography
Annexure
PAGE NO
EXECUTIVE SUMMARY
The study shows that how the NAGAR NAGARI SAHAKARI PATHSANSTHA LTD gives the
loans to its customers. Credit appraisal is done to evaluate the credit worthiness of a borrower.
The credit appraisals for any organization basically follow these steps: Assessment of credit
need, financial statement analysis, and financial ratios of the company, credit rating, working
capital requirement, term loan analysis, submission of documents, NPA classification and
recovery.
The main aim of research is to find out the truth which is hidden and which has not been
discovered as yet. Though each research study has its own Specific purpose, we may think of
following broad categories:
CHAPTER NO-1
CHAPTER NO-2
RESEARCH
METHODOLOGY
RESEARCH METHODOLOGY
Research is the process which include defining and refining problems, formulating hypothesis
or suggested solution, collecting, organizing and evaluating data; making deduction &
reaching conclusion and at last, carefully testing the conclusion to determine whether they fit
the formulating hypothesis.
Definition:
According to Websters Twentieth century dictionary, Research is the careful, patient,
systematic, diligent, enquiry or examination in some field of knowledge undertaken to
establish facts or principles.
Objectives of research:
The data are collected from the annual reports maintained by the company for
the past 5 year viz.2010 to 2015
Internet
Analysis of Data:
The study is qualitative in nature and not much primary data is there. So no analytical tools
have been used in the preparation. The report has been prepared after doing a qualitative
analysis of the data collected. Some bar charts, graphs and pie charts are used to make the
data more understandable to the reader.
Period of study
The period of the study at NAGAR NAGARI SAHAKARI PATHSANSTHA is for
two month.
Limitations:
CHAPTER NO-3
COMPANY
PROFILE
INTRODUCTION: