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sbi SMe

sbi SMe

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Published by Sarfaraz I. Darvesh

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Categories:Types, Research
Published by: Sarfaraz I. Darvesh on Nov 25, 2012
Copyright:Attribution Non-commercial


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Introduction to 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 its funding pattern & further checks the primary & collateral security cover available for recovery of such funds.
Problem Statement:
To study the Credit Appraisal System in SME sector, at State Bank of India (SBI), Uttarsanda.
To study the Credit Appraisal Methods.
To understand the commercial, financial & technical viability of the project proposed & it’sfunding pattern.
To understand the pattern for primary & collateral security cover available for recovery of suchfunds.
Research Design:
Analytical in nature
Data Collection:
Primary Data:
Informal interviews with Branch Manager and other staff members at SBI bank.
E-circulars of SBI
Secondary Data:
Books and magazines
Database at SBI
Internal reports of the banks
Library research
Expected contribution of the study:
This study will help in understanding the credit appraisal system at SBI & to understand how to reducevarious risk parameters, which are broadly categorized into financial risk, business risk, industrial risk &management risk associated in providing any loans or advances or project finance.
This report will help researcher in improving knowledge about the credit appraisal system and to have practical exposure of the credit appraisal scenario in SBI
Management student:
The project will help the management student to know the patterns of credit appraisal in SBI bank.
SBI Bank:
The project will help bank in reducing the credit risk parameters and to improve its efficiencies.It will also help to reduce risk associated in providing any loans & advances or project finance infuture and to overcome the loopholes.
Short write-up on the researcher and reason for taking up the project:
The researcher are MBA 2
The reason for taking up the project is to know and understand the credit appraisal system in banking sector.
Credit appraisal is the major focus of banking industries these days, so the project will help inunderstanding and analyzing the situation prevailing currently.
 Limitations of the study:
As the credit rating is one of the crucial areas for any bank, some of the technicalities are notrevealed which may have cause destruction to the information and our exploration of the problem.
As some of the information is not revealed, whatever suggestions generated, are based on certainassumptions.
Credit appraisal system includes various types of detail studies for different areas of analysis, butdue to time constraint, our analysis was of limited areas only.

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