“A STUDY ON FINANCIAL PERPORMANCE AT MUTHOOT FINANCE LTD, AYAPPA COMPLEX

DINNUR MAIN ROAD ,SULTHANPALYA BANGALORE .

A SYNOPSIS SUBMITTED TO BANGLORE NORTH UNIVERSITY IN PARTIAL FULLFILLMENT OF

THE

MASTER OF COMMERCE

SUBMITTED BY

GOWTHAMI

REGISTRATION NO : CM183408

NAME OF THE GUIDE

ASSISTANT PROFESSOR .MIS Dr KAVITHA VANI SD

LAL BAHDUR SHASTRI GOVT .FIRST GRADE COLLEGE ,

DINNUR MAIN ROAD ,R T NAGAR ,BANGLORE-560032

TITLE OF THE STUDY

“A STUDY ON FINANCIAL PERPORMANCE AT MUTHOOT FINANCE LTD, AYAPPA COMPLEX

DINNUR MAIN ROAD ,SULTHANPALYA BANGALORE”

INTRODUCTION

This is an art of preparing on educative project report offers to provide some

aspects and details regarding to A study on financial performance at muthoot finance limited.

Muthoot finance lmt is the largest gold financing company in india in

terms of loan portfolio the company provides personal and business loans secured by gold
who posses gold jewellery but could not access formal credit may not be available at all to
meet un anticipated or other shortterm liquidity requirements the company headquarted in
kerala.

The financial of the firm can be measured by its financial results ,i.e by ots size of earing
riskness and profitability are two major factors which jointly determinate value of the
concern . financial decisions which increase risks will decrease the value of the firm and on
the other hand.financial decisions which increase the profitability will increase the value of
the firm.risk and profitability aretwo essential ingreadients of a bussiness concern

REVIEW OF LITERATURE:

1. GEETHA G.NAIR DR JANCY DAVY(2014) gold loans have become a basis

for creation of new financial products such as loans for purchase of gold wherein gold
is purchased on the date of loan and held as a pledge until the equated monthly
installments are paid . India is one of the biggest markets for gold and gold loan.
Indian households typically have an emotional attachment and since of personal
belonging to the gold they own , which is usually in the form of jewellery, coins or
bars.
2. SARIKA Malhotra (2013) says that not so long ago, NBFCs were a hot favorite of
private equity investors in India (Malhotra,2013). With the Indian economy on a roll,
most PE funds wanted to put their money in non-banking finance companies(NBFCs)
specializing in gold loans. But, today, gold loan companies have lost their luster
because of a stricter regulatory environment and a volatile gold market , pushing
funds to vehicle finance companies instead .and with the economy in a slowdown ,
exit from gold loan lenders have also become much harder.
3. GEORGE ALEXANDER (2013) focused on the safety measures of borrowers.
This noted that the large gold loan NBFCs is almost like banks and is well governed.
With established policies and procedures . Their branches sufficient security
 measures such as strong rooms ,CCTV cameras, guards and also specific procedures
regarding access , in order to ensure safety of the collateral.Besides, they insure the
gold against theft and other unforeseen events.
4. RAVI AND KUNDAN BASAVARAJ (2013) analyzed the customer preference and
satisfaction towards banking services both private and public banks. Authors found gold
loan, business and vehicle loans are fast moving then other services and overall
satisfaction level is good.Further, overall satisfaction on bank deposit schemes resulted
positively while other service of banking still need to be given attention by focusing on
customer issues. They authors suggested that , bankers should work towards 100%
customer satisfaction that automatically fosters customer delight and to sustain
customers on a long term basis .

5.SELVARAJ (2011) measured and analyzed the awareness level of the customers
towards services provide by the NBFCs banks of . he found that 70% of the sample
respondents had low level of awareness towards the services provided by the bank .it
may be due to the fact that the study area was mostly covered by the rural areas .the
bank has to initiate necessary measures to increase the awareness level through
conducting awareness programs in the rural areas and the bank has concentrate more
on promotional activities .

STATEMENT OF THE PROBLEM

Analysing financial performance is the process of evaluating the common parts of

financial statement to obtain a better understanding of firms position and
performance .financial performance enables the investors and creditors evaluate past
and current performance and financial position and to predictfuture performance .

SCOPE OF THE STUDY

After the studying we know that it helps to estimating financial performance and to
understand the concept of loans and custumers facing many problems in terms of
availing loans and there fore Muthoot advances finance is providing assistance to the
development of them as it plays a vital role in development of the Indian economy.

OBJECTIVES OF STUDY ON FINANCIAL PERFORMANCE

 To study the financial statement of the company for the past 3 years.
 To study of comparative balance sheet.
 To analysis the balance sheet ratio of the company .
 To know about the efficiency of the company regard to liquidity
,profitability,utilization of the capital.
 To study the financial position of the company for past 3 years .
 RESEARCH METHODOLOGY

The methodology applied for the study is convenience sampling method with 50 samples
of the branch .

SOURCES FOR THE DATA COLLECTION

1. Primary data
2. Secondary data

Primary data: the primary data was collected for first time during observation and also
conversation with the members of the Muthoot finance

Secondary data: the sorces of the secondary data are published material ssuch as
company records ,text books ,internet ,magazines and annual reports of Muthoot finance.

 Journals
 Annual report
 Company websites

LIMITATIONS ON THE STUDY

 Confidentially is also a limitation

 It is very difficult to identify interest rates of different loans schemes
 This being an academic study time and cost considerations.

CHAPTER SCHEME

CHAPTER: 1 INTRODUCTION

The chapter covering the introduction about the financial performance .finance ,and financial
management ,meaning,definition,features.tools and techniques of financial performance .

CHAPTER :2 RESEARCH DESIGN:

The chapter should be included title of the study statement of the problem,scope of the
study ,research methodology,sorces of data collection ,plan of analysis.

CHAPTER :3 COMPANY PROFILE:

History of the main precision Muthoot finance lmt background of the company ,objective
s,mission vision and value ,swot analysis.

CHAPTER :4 DATA ANALYSIS AND INTERPRETATION

The chapter deals with the analysis of data collection and collected data will be interpreted.

CHAPTER :5 FINDINGS ,SUGGESTIONS AND CONCLUSION:

The chapter presents the summary of the study ,finding suggestion and conclusion of the
study.

REFERENCE
 GEETHA G. DR.JANCY DAVY (2014,APRIL). Market survey. A study on
attitude of customer towards gold loan, vol.32.
 GEORGE ALEXANDER(2013) study gold NBFCs offer potential
borrowers superior advantages in terms of cost and security”, business line a
study on gold loan in . Inadian research journal , 2,14.
 RAVI AND KUNDAN BASAVARAJ(2013) evaluates “customers
preference and satisfaction towards banking services with special reference
to shivamogga district in Karnataka”, trans asian journal of marketing and
,management research ,vol.2,issue 1 ,pp.28-38.
 SARIKA MALHOTRA(2O13) a study on gold loan in muthoot finance
limited . Indian research journal ,2,14.
 SELVARAJ (2011), “A study on customers” awareness and level of
satisfaction” , JMIJMM,vol.1,issue 2, pp.1-7.

BIBLIOGRAPHY

SIGNATURE OF THE STUDENT SIGNATURE OF THE

GUIDE

(GOWTHAMI) (Prof Dr Kavitha vani SD)

SIGNATURE OF THE HOD SIGNATURE OF THE

PRINCIPAL