Chetanas R. K.

Institute of Management & Research

Bandra (East), Mumbai
FINANACIAL MODEL TO DETERMINE CREDIT
BEHAVIOR

Summer Internship Project

With
CIBIL

Submitted in partial fulfillment of the requirements for

Master of Management Studies

(University of Mumbai)
Academic Year: 2016-2017
Submitted By

SHALIN VYAS
Roll No. 59
MMS-Batch: 2015-17

Declaration
I hereby declare that this project report titled Financial Model to Determine Credit
Behavior, submitted in partial fulfillment of the requirement of Master of Management Studies
to Chetanas R.K. Institute of Management and Research, is my original work and not submitted
for award of any degree or diploma fellowship or for similar title or prize. References of work
and related sources of information have been duly acknowledged in the report.
The project has been carried out under the guidance of Prof. Aftab Shaikh.
I further declare that I have no objection and grant the rights to Chetanas R.K. Institute of
Management and Research to publish any chapter/project or use it for future reference if they
deem fit.

Place

Mumbai

Date

___________ (e.g. 5th August, 2016)

Name

SHALIN VYAS

Class

MMS A

Roll No.

59

Signature

___________

Certificate
This is to certify that the project titled Comparative Analysis of HPCL Annual Report with
HUL and LUPIN Reports, submitted by SRUSHTI PRADEEP SHINDE to Chetanas
R.K.Institute of Management & Research in partial fulfillment of the requirement of Master
of Management Studies, has been done under the guidance of the undersigned during the period
May to June, 2016.

Date:
Place:

Mumbai

Faculty Guide
Prof. Suhas Gharat

Director
Dr. J.A.Bhakay

ACKNOWLEDGEMENTS
On successful completion of my summer internship project at CIBIL, I take this opportunity to
convey my profound gratitude to all the concerned people who have helped me.
I would like to thank my mentor Mr. Vipul Mahajan for his invaluable guidance and
encouragement during the execution of this project. It was indeed a commendable task on his
part in spite of the time constraints and other commitments that he was involved in. Without his
help, support and guidance completing this project would have been impossible.
My thanks to all the staff and the supervisors at the organization for their help and sharing their
experiences directly and indirectly in completing this project
I would also like to thank Chetanas R. K. Institute of Mangement and Research, CEO Dr.
Madhumita Patil & our Director Dr. Jayshree Bhakay for providing me with the opportunity
of having this corporate experience and undergoing the summer internship project.
Also, last but not the least I would like to thank my internal guide Prof. Aftab Shaikh, Finance
Faculty, CRKIMR, Mumbai who has always helped the students achieve the best through his
words of encouragement and by being very supportive. Finally, I would be grateful to all readers
of the project.

Signature of the Student

SHALIN VYAS
Name of the Student

TABLE OF CONTENTS
Page No.

EXECUTIVE SUMMARY

Chapter 1 INTRODUCTION
1.1
1.2
1.3

Introduction to the Task

Introduction to the Sector/Industry
Introduction to the Organisation
1.4
Introduction to the Project

2
3
4

Chapter 2 SUMMER INTERNSHIP TASK DETAILS

2.1
2.2
2.3

Objective of the project

Detailed description of task
Related literature review
2.4.
Application of class room learnings

9
10
12

17

Chapter 3 PRIMARY DATA &ANALYSIS/INTERPRETATIONS

18

Chapter 4 CONCLUSIONS & RECOMMENDATION

4.1
4.2

Conclusions derived
Recommendations

21
22

Chapter 5 ANNEXURES
5.1
5.2
5.3

Contributions
Learnings
Bibliography

23
24
25