-semUnder Supervision of Mr. Anand Rai(Senior Manager, Credit Section)
I hereby declare that this project titled
“CREDIT MANAGEMENT(Comparative Analysis of efficiency of credit recoverymechanism of Public Sector vs. Private
Sector Banks inVaranasi)”
submitted by me to Department of BusinessAdministration University of Lucknow and Punjab national bank(circle
office), Varanasi in partial fulfillment of requirements of MBA programme is a bonafide work carried out by me has notbeen submitted earlier to any other University Or Institution for theaward of any degree diploma/ certificate or published any timebefore.