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Summer project

Summer project

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Published by mohd arif khan

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Published by: mohd arif khan on Aug 23, 2009
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Chapter 11.1: Introduction
Almost all of the industrial enterprises whether they are into manufacturing, trading or service sector need bank finance in order to run the businesses. So everyone approachesthe bank at some point of time for  business loan whether it is for running day to day  business or for setting up of a new project. A banker appraises the proposal and thendecides whether to lend the money or not. Some tips on what goes behind the creditappraisal of the proposal by the banker.Credit Appraisal
It is the process of appraising the credit worthiness of a loan applicant.Factors like age, income, number of dependents, nature of employment, continuity of employment, repayment capacity, previous loans, credit cards, etc. are taken into accountwhile appraising the credit worthiness of a person. Every bank or lending institution hasits own panel of officials for this purpose.s
1.2: Objective of the study
The main objective of the research is to understand the concept of credit (Loan) appraisal.What is the definition of credit appraisal? How can it function and control? What are theimportant things in credit appraisal? How banks can control NPA with nil?Through this project we can also analyze banking industry. What are the challenges thisindustry is facing. I also included overview of banking sector as well as types of bank.I choose ABHYUDAYA CO-OPERATIVE BANK for my study of CREDITAPPRAISAL. It is the lending urban co-operative sector bank. They perform in creditappraisal and control NPA in very good manner. That why it is interesting to know howthey able to do this one,
1.3: Company profile
Abhyudaya Co-op. Bank Ltd., one of the leading Urban Co-operative Banks in India,in its outlook and approach, has the objective of progress and prosperity of all. Froma humble beginning in January 1964 as a Co-operative Credit society with a sharecapital of a merely Rs.5,000/- held by 83 members, today Abhyudaya Co-op bank has become one of the large Urban Co-operative Banks with a "Scheduled Bank" status.The bank has been converted into a “Multi-State Scheduled Urban Co-op. Bank “w.e.f. 11th January, 2007. The area of operation which was restricted to the State of Maharashtra has now been extended to Karnataka State. Currently, the capital base of the bank stands at Rs. 45.78 crores and Reserves and surpluses at Rs.671.95 crores ason 31.03.2009. The bank has
1, 23,011
members and more than 12 lakhs depositors.The Bank has seen a tremendous growth in deposits. The deposits of the bank areover Rs. 3174.81 crores as on 31.03.2009, which were Rs. 2625.51 crores as at theend of the financial year 2008. The loans and advances stood at Rs. 1856.39 crores ason 31.03.2009. The bank had posted a net income of Rs. 92.36 crores as on31.03.2009. “The growth rate of the bank compares well with that of others in thesector. The Bank has maintained a steady growth. The bank has been paying dividend@ 15% to its members which is maximum permissible as per the MCS Act.The Bank has launched different loan schemes tailor-made to suit the needs of variouscustomers. The schemes aim at providing loans for purchase or construction of residential premises, repair/renovation of house property, purchase of car, seekinghigher education and for purchase of household consumer durable. One of the loanschemes, viz. "Udyog Vikas Yojana" is specially designed for the benefit of smallentrepreneurs and businessmen. The procedure for sanctioning of loans under theschemes has been simplified and relaxed with a view to attract new customers andfacilitating speedy sanction of loans. The Bank has total 75 branches including aMobile Bank at Navi Mumbai. Bank is committed to spread network of branchesthroughout the State and provide much needed banking services to the population,which has been deprived of the banking facilities.Page of 
Innovative Banking is another area of operation that Abhyudaya is currently focusingon for a sustainable long term growth. The Bank has always endeavored for providingsatisfactory customer service with the help of the latest technology. The Bank has provided fully computerised services to its valued clients. Bank is offering 11 Hoursfully computerised services at 15 branches and 24 hours ATM service at 42 branches.
Established as Co-operative Credit Society.1965- Converted into a Bank with one Branch at Abhyudaya Nagar.1985-Inauguration of Banks own Building, Staff Training College and Auditorium atVashi, RBI Permitted the Bank to open and maintain NRI Accounts.1986 - Instituted Educational Prizes to the children of Members and Employees.Became 3
Biggest Urban Co-op. Bank in India.1988 - Became Scheduled Bank.1990 - Inauguration of Banks own Building at New Panvel.1995- Decision to set up “Development Reserve Fund” to undertake special schemes.1997- All Branches fully computerized.1999- Eleven Hours & Sunday Banking started in 16 Branches.2000- ATM installed at 3 branches.2003- Opened 40
Branch with ATM Facility & 11 hours and Sunday bankingAt Lokmanya Nagar (Thane).2004- Started RTGS and NDS Facilities.2006- Merger of Citizen Co-operative Bank Ltd., with 13 branches.2007- Registration of the Bank under “Multi-State” Co-Op Societies Act on11
Jan., 2007.2008- Merger of Shri Krishna Co-operative Bank Ltd, Vadodara
Merger of Janata Sahakari Bank, Udupi
Foreign Exchange Department we inaugurated2009
Bhayander branch And Dahisar branch
Opened recovery call centre at ParelPage of 

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nice project..........!
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