PUNJAB NATIONAL BANK Circle Office, Vibhuti Khand, Gomtinagar, Lucknow 226010 Email: bo3926@pnb.co.

.in, Contact: 1800 180 2222, IFSC Code: PUNB0392600

Dated

CERTIFICATE

Certified that

ANKIT BHATIA

has successfully completed Summer

Project Study entitled

CREDIT APPRAISAL AND POSSIBLE

IMPROVEMENTS under my guidance. It is his original work, and is fit for evaluation in partial fulfillment for the requirement of the Two Year Post Graduate Diploma in Management (Full-time).

Ms. Sukhwani, Shakuntala

Deputy Manager (Financial Analyst)

Mr. Bhatia, Ankit

Letter Of Transmittal
To: From: Dr. Ashish Garg, Programme Coordinator - Finance, LBSIM Prof. Anupriya Singh, Programme Coordinator (FT), LBSIM Ankit Bhatia, PGDM Finance, LBSIM

Respected Mentors, I am pleased to present my final report, "CREDIT APPRAISAL AND POSSIBLE IMPROVEMENTS. This Report points out the Credit Appraisal system in P.N.B. and the possible improvements that may be done. I hope that my report will be able to present the intended purpose clearly and efficiently.

(ANKIT BHATIA)

PREFACE
Credit appraisal System has emerged as a response to safeguard the banks interest in providing loans to its potential customers. This report addresses itself to the importance of Credit appraisal System in the real world and providing with the different processes that are involved in the Credit appraisal system. This report also discusses the viable improvements that may be incorporated by the bank for its Credit appraisal system.

ACKNOWLEDGEMENT
There are number of important people I want to thank, without whose support, guidance, encouragement, and help this work would not have been possible. First of all I would like to thank Mr. V. P. Jain (Circle Head) and Mr. V. K. Mishra (Senior Manager - HR) to allow me to carry out my project work in CREDIT SECTION department at CIRCLE OFFICE, Lucknow. I also want to thank Ms. Shakuntala Sukhwani (Deputy Manager(Financial Analyst), Credit Section) who provided me invaluable advice, guidance and support to complete my summer internship project and was always there to support and help me. I would like to express my sincere thanks to the staff of PNB for their guidance, support and encouragement throughout the preparations of this report.