CERTIFICATE

This is to certify that Mr. Omkar Shrikant Naik (Roll No. 430) student of first year Masters in Management Studies has successful completed the summer internship project work titled STUDY OF COLLATERAIL ANALYSIS DONE BY CITI BANK FOR FINANCING WORKING CAPITAL REQUIRED BY SMALL SCALE INDUSTRIES with CITI BANK N.A. in partial fulfillment for the degree of Masters in Management Studies of University of Mumbai.

This project report is the record of authentic work carried out during the academic year 2011-2012.

ACKNOWLEDGEMENT
Any project would be incomplete without felicitating those instrumental in its successful completion. I honestly feel that the accolades for this project cannot just belong to one individual because it has been the result of consolidated efforts of many people to whom I would like to express my concern and gratitude. I take this opportunity to thank the University of Mumbai for taking the initiative of launching the course Masters in Management Studies. MMS has shaped our careers in a thoroughly professional manner and has given us the required exposure to the industry. This project has been a learning experience and it gives me immense pleasure in expressing my gratitude to Shivajirao Jondhle Institute of Management Science and Research for providing us with an opportunity to do this study. This project has helped me to understand the current scenario of STUDY OF COLLATERAIL ANALYSIS DONE BY CITI BANK FOR FINANCING WORKING CAPITAL REQUIRED BY SMALL SCALE INDUSTRIES and to understand the various tools involved in (WORKING CAPITAL MANAGEMENT) For this project I acknowledge with special thanks to Prof. for the guidance provided in compiling and completion of the project and for giving me this opportunity to take up this project. This project has been a learning experience for me and this would not have been possible without their help. I would once again like to thank all for their valuable support. Omkar Naik

DECLARATION
I hereby declare that the project title STUDY OF

COLLATERAIL ANALYSIS DONE BY CITI BANK FOR FINANCING WORKING CAPITAL REQUIRED BY SMALL SCALE INDUSTRIES is submitted in fulfillment of Masters in Management Studies degree of University of Mumbai in the academic year 2010-2012 was carried with sincere intention.

To the best of my knowledge it is an original piece of work done by me and it has neither been submitted to any other organisation nor published at anywhere before.

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(Omkar Naik)