Project Report On A STUDY ON DEBT RECOVERY MANAGEMENT WITH SPECIAL REFERENCE TO SBI Submitted By AHER NEELAM ANKUSH T.Y.

BBI Sem-V (2011-2012)

Project Guide Prof.Dr.C KRISHNA KUMAR

Affiliated to University of Mumbai

GURUKUL COLLGEGE OF COMMERCE TILAK ROAD, GHATKOPAR (E) MUMBAI 400077

CERTIFICATE

This is to certify that AHER NEELAM a student of Gurukul College of Commerce studying in TYBBI bearing Roll No.28 and Examination Seat No. _____ has successfully completed the project entitled A STUDY ON DEBT RECOVERY MANAGEMENT WITH SPECIAL REFERENCE TO SBI as part of internal assignments under my supervision during the academic year 2011 2012.

____________________ Students Signature

Signature of the guide

___________________

_______________

Prof. Nitin Agarwal Co-ordinator

Dr.Kshitij Prabha Principal

Declaration

I,AHER NEELAM student of T.Y.B.B.I (2011-2012) of Gurukul College Of Commerce, Mumbai -400077 do hereby declare that I have Completed the Project Work titled A STUDY ON DEBT RECOVERY MANAGEMENT WITH SPECIAL REFERENCE TO SBI as a part of my academic fulfillment. The Information contained in this project work is true and original to the best of my knowledge and belief.

Date:

Signature of the Student

ACKNOWLEDGEMENT
I wish to express my sincere and heartfelt thanks to my guide Dr.C Krishna Kumar, Head, Department of Economics for his supervision throughout the project work.

I take this opportunity to express my deep sense of gratitude to Dr.Kshitij Prabha, Principal, Gurukul College Of Commerce, Ghatkopar (E) for having taken initiative to start the project work.

I thank Prof.Nitin Agarwal, BBI Co-ordinator and Head, Department of Commerce for encouragement and help to complete this project work.

I thank Prof.A. Mahesh Kumar, Assistant Professor, Department of Economics for encouragement and help to complete the project work.

Finally, I wish to express my heartfelt gratitude to my beloved parents and all my friends for their encouragement and support in completing this project work. Above all I thank Lord Almighty for abundant mercies and infinite grace which showed upon me to complete this project work.

SIGNATURE OF STUDENT

CONTENTS CHAPTER NO. PARTICULARS I. TITLE PAGE II. CERTIFICATE III. DECLARATION IV. ACKNOWLEDGEMENT INTRODUCTION 1.1 HISTORY OF BANKING IN INDIA 1.2 STATE BANK OF INDIA 1.3 FUNCTIONS COMMERCIAL BANKS 1.4 MEANING OF DEBT 1.5 MEANING OF RECOVERY MANAGEMENT 1.6 PLAN OF THE STUDY METHODOLOGY 2.1 OBJECTIVE OF THE STUDY 2.2 HYPOTHESIS 2.3 METHODS OF STUDY 2.4 COLLECTION OF SECONDARY DATA 2.5 STATISTICAL TOOLS 2.6 TABLE AND DIAGRAMS 2.7 USE OF THE STUDY 2.8 LIMITATIONS 2.9 SCOPE OF THE STUDY 2.10 STATEMENT OF THE PROBLEMS ROLE OF FINANCIAL SOUNDNESS OF SBI 3.1 PERFORMANCE HIGHLIGHTS OF SBI 3.2 1QFY2011 PERFORMANCE OF SBI 3.3 IQFY2011 ACTUAL VS. ESTIMATES OF SBI 3.4 SEGMENT WISE ADVANCES 3.5 SEGMENT WISE ADVANCES YOY GROWTH PAGE NO.

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RATE OF SBI 3.6 BUSINESS GROWTH TREND OF SBI 3.7 REASONABLE ASSET QUALITY 3.8 FINANCIAL PERFORMANCE OF SBI 4. DEBT RECOVERY MANAGEMENT OF SBI IN INDIA 4.1 MEANING OF RECOVERY MANAGEMENT 4.2 MEANING OF NPA 4.3 REASONS FOR NPA 4.4 OBJECTIVES OF RECOVERY MANAGEMENT OF SBI 4.5 AIMS OF RECOVERY MANAGEMENT 4.6 MANAGEMENT OF NPA 4.7 DEBT MANAGEMENT 4.8 VARIOUS RECOVERY PROCEDURES 4.9 DISCUSSION OF BANK CREDIT RISK MANAGEMENT POLICY 4.10 ANALYSIS 4.11 VARIOUS DEBT RECOVERY PROCESS OF SBI 4.12 DEBT RECOVERY SOLUTION CONSOLIDATE DEBTS FINDINGS AND SUGGESTIONS 5.1 FINDINGS 5.2 SUGGESTIONS BIBLIOGRAPHY

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