Escolar Documentos
Profissional Documentos
Cultura Documentos
DISSERTATION REPORT
On
“A STUDY OF CREDIT APPRAISAL PROCESS WITH REFRANCE TO ”
COLLECTION DATA
Data means facts. Data are those things from which conclusion may be drawn in the form of
figures or in words
Collection of data is essential part of research. The task of data collection start after the objective
of the study and research design had been decided in red to measure properties. I collected
secondary research data
A) PRIMARY DATA
1. Observation Method
2. Questionnaire & Interviews
3. Library Methods
B) SECONDARY DATA
In this project secondary data are use through
a) Books
b) Internet
c) Record available at bank.
OBJECTIVE OF STUDY
1. To study Concept of Credit appraisal?
2. To know what are the documents required for different types of loans?
3. To know the process of credit appraisal.
4. To study the NPA of shri bhausheb thorat amrutvahini bank & The
sangamner merchant co-op Ltd, sangamner
THEOROTICAL BACKGROUND
CREDIT APPRAISAL
Credit appraisal means an investigation/assessment done by the bank prior before providing any loans &
advances/project finance & also checks the commercial, financial & technical viability of the project proposed.
Proper evaluation of the customer is preferred which measures the financial condition & ability to repay back
the loan in future
Credit appraisal is the process of appraising the credit worthiness of the loan applican
DOCUMENTATION DETAILS
1) PROOF OF INCOME
I. Salaried
II. Latest salary slips for the last 2 months.
III. Self-employed
2.) RESIDENCE PROOF
I. Telephone / Electricity bill.
II. Ration card
III. Driving License
IV. Passport
V. Rent agreement
3.) IDENTITY PROOF
I. Passport size photograph
II. Copy of Driving License / Company identity card/ PAN card clearly showing Photo of customer.
III. post dated cheques
CREDIT APPRAISAL PROCESS
Receipt of application from applicant
|
Receipt of documents
(Balance sheet, KYC papers, Different govt. registration no., MOA, AOA, and Properties documents)
|
Pre-sanction visit by bank officers
|
Check for RBI defaulters list, willful defaulters list
|
Title clearance reports of the properties to be obtained from advocates
|
Valuation reports of the properties to be obtained from valuer/engineers
|
Preparation of financial data
|
Proposal preparation
|
Assessment of proposal
|
Sanction/approval of proposal by appropriate sanctioning authority
|
Documentations, agreements, mortgages
|
Disbursement of loan
|
Post sanction activities such as receiving stock statements, review of accounts, renew of accounts, etc
(on regular basis)
DATA ANALYSIS
PARTICULER MERCHANT CO-OP AMRUTVAHINI CO-OP
(YEAR 2014) BANK ( Rs in lac) BANK (Rs in lac)