A

SUMMER INTERNSHIP REPORT

ON

SBFC FINANCE PRIVATE L.T.D

CREDIT&RISK

SUBMITTED BY

SIDDHARTH SAINI
SUBMITTED TO

MR. ARUN KUMAR SINGH

FOR

PARTIAL FULFIMENT OF THE DEGREE

OF

MASTER IN BUSINESS ADMINISTRATION

1
 VEER MADHO SINGH BHANDARI
UTTRAKHAND TECHNICAL
UNIVERSITY

POST OFFICE, GIRLS POLYTECHNICAL CAMPUS,

CHAKRATA ROAD, CHANDANWADI, SUDHOWALA ,
UTTARAKHAND 248007

SESSION 2022-2023
A STUDY OF TAXATION SYSTEM OF INDIA SPECIAL
REFERANCE TO VISHAL SHARMA (RCM) SBFC FINANCE
PRIVATE LTD.

PROJECT REPPORT
SUBMITTED TO VEER MADHU SINGH BHANDARI
UTTARAKHAND TECHNICAL UNIVERSITY IN
PARTIAL FULFILLMENT OF THE REQUIREMENTS
FOR THE AWARD OF DEGREE OF
MASTER IN BUSINESS ADMINISTRATION
2023-2024

2
 DECLARATION

I SIDDHARTH SAINI ,The undersigned, hereby declared that the project report
entitled “CREDIT&RISK” submitted by me to the university in the partial fulfillment
of the requirement for the award of degree of MASTERS OF BUSINESS
ADMINISTRATION under the guidance of “MR ARUN KUMAR SINGH
” is my original work & the conclusion drawn therein are based on the material/data
collected by myself.

The report submitted is my own work & hence not from any other source.

I shall be responsible for any unpleasure moment/situation (if any)

3
 GUIDE CERTIFICATE

This is to certify that siddharth saini is the bonofied student of MBA have
successfully completed the project work as described by the university in the partial
fulfillment of the MASTERS OF BUSINESS ADMINISTRATION of the academic year 2022-
24.

The project work entitled as “SBFC (CREDIT&RISK)”

Project guide

Signature

4
 ACKNOWLEDGEMENT

A successful project is the result of team work & coordination that includes not only the
group of developers who put for the ideas, logics but also those who guide them. So, at
the completion of the project I feel obliged to extent my gratitude towards all those who
made valuable conclusions throughout my research period.

I am thankful for all the knowledge/guidance & support imparted by “ MR ARUN

KUMAR SINGH” to me who gave me invaluable knowledge in the period.
In addition I wish to convey deep sense of gratitude towards “MS RIYA GOEL” at any
time. I needed.

At the end just as significantly, I would like to express my sincere thanks to

management department & all the other members who have provided me excellent
knowledge & guidance throughout my MBA degree.

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 TABLE OF CONTENTS

SERIAL NO. CONTENTS PAGE NO.

 Declaration
 Acknowledgement 3-6
 Certificate
 INDEX

CHAPTER- 1 INTRODUCTION 7-10

CHAPTER- 2 OBJECTIVE OF THE STUDY 11-12

CHAPTER- 3 RESEARCH METHODOLOGY 13-15

CHAPTER-4 DATA ANALYSIS &INTERPRETATION 16-19

CHAPTER-5 FINDINGS 20-21

CHAPTER-6 SUGGESTIONS & CONCLUSION 22-25

CHAPTER-7 BIBLOGRAPHY 26-27

CHAPTER-8 QUESTIONNAIRE 28-29

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 CHAPTER-1
INTRODUCTION

7
INTRODUCTION:-

If credit can be defined as “nothing but the

expectation of a sum of money within some limited time,” then credit
risk is the possibility that this expectation will not be fulfilled. Credit
risk exists as long as banks lend money.

Credit and risk is one of the most important factor of every

finance company or we can say that credit is a standing pillar of
all the company because without credit nothing can happen.
In finace company there is a credit section who use to bear all the
problems and risk and approve the lones on there behalf or
investigation they have made on there own scale.

8
 As I have completed my internship period from SBFC FINANCE
PRIVATE LIMITED , COURT ROAD , SAHARANPUR 247001.

SBFC is known as small business finance limited which provide loan to

several company or business organizations. Sbfc starten in 2018 and have
several branches . total number of branches are 162 in india and work in 16
states and have more then 180 locations in india.

It provide loan to there customer and charges normal rate of interest.

They also deals in gold lone and modgage there gold and provide money in
finance company firstly third party agent or company vander bring loan
files then CPA check all the important document needed to provide the lone
and then transfer that particular file to credit manager. Then credit
manager check all the deviations for providing loan and prepare there
performa in our company system and then transfer the particular file CPA
for collection of necessity document . then after collection of necessity
document that particular file is ready to pack or dispatch to valve.

And the remaining pendency will get collected by operational manager in

next month before releasing the loan amount . the loan amount will only get
release when all the important document or morgue property paper get
received by the credit manager.

If in any chance our credit manager get fake business setup they they
immediately deny for for providing the loan to the particular customer.

9
SBFC Finance Limited headquartered in Mumbai, is a new-age financial
services institution focused on providing credit to small businesses and con-
sumers. Founded in 2017, SBFC acquired the retail lending book along
with the existing infrastructure, branch network and employee team of
Karvy Financial Services Limited. Backed by an equity infusion of ₹ 845
crores ($ 130 million) from PE investors Lyra Partners and Arpwood Part-
ners, SBFC aims grab the unique opportunity of financing 50 million small
business through technology adoption.

The company is led by former HDFC Bank senior executive Aseem Dhru
as CEO and former Kotak Mahindra Bank senior executive Mahesh Daya-
ni as Chief Business Officer. The company would leverage their experience
in ramping up the retail loan book, maintaining strong underwriting prac-
tices and in technology adoption.

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 CHAPTER-2
OBJECTIVE OF
THE STUDY

11
 Credit risk analysis aims to take on an acceptable level of risk to
advance the lenders' goals. Goals can include profitability, business
growth, and qualitative factors. Management crafts policies that drive
their business to achieve its goals.
In our own words we can say that the main objective of study is to
avoid the risk that has been taken by the credit manager or to prevent
from risk occur in financial institutes.

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 CHAPTER-3
RESEARCH
METHODOLOGY

13
METHODOLOGY

The value of any systematic research lies in its methodology which is a way to
systematically solve research problems. Methodology helps the investigator to conduct
in a prescribed manner .

RESEARCH DESIGN

Research design is the basic framework or a plan for a study that guides the collection
of data and analysis of data. In this survey the design used is descriptive research
design. The Research design used in the study was descriptive research design. It
includes surveys and fact-finding requires of different kinds. The information is
collected from the individuals and analyzed with the help of different statistical tools.
The main characteristic of this method is that the researcher has no control of variables;
he can report only what has happened or what is happening

TYPE OF RESEARCH DESIGN - EXPLORATORY RESEARCH DESIGN

Exploratory research design helps the research in getting the insight information from
the research problem. Generally all the marketing research projects innuendos
exploratory research that helps the researcher in providing the sharp focus of the
problem under research. Exploratory research lays emphasis on the discovering of ideas
and possible inside to get the information needed to carry out the research has used the
exploratory form to research design in the project under study

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SAMPLE SIZE – 120 PERSON

Sample method would be simple random sampling. The sample unit would be individual
risk bearer.

DATA COLLECTION METHOD

For the study purpose both Primary and Secondary data would be collected.
Primary data would be collected by using a structured questionnaire. The instrument
would use a 5 point scale for the study, instead of a 7 point Likert scale because 5 point
scales reduce the level of frustration among respondents.
Secondary data would be collected from research articles, journals, books, magazines,
and newspapers. Also from the online portals.

DATA RE-PRESENTATION

Findings are usually used to make conclusions about the sample population. Based on
the nature of data and interpretations required, appropriate statistical tools will be used
as a part of the study

15
 CHAPTER-4
DATA ANALYSIS
&
INTERPRETATION

16
 In this chapter the investigator tried to analysis the collected data. The
data has been collected mainly through questionnaire.

Q- Gender –a) Male b) Female

MALE FEMALE
51 69

80
69
70

60
51
50

40
Series1
30

20

10

0
MALE FEMALE

Interpretation: This graph shows the target population’gender and out of

the total, majority of the respondents are female and males are
comparatively less.

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Q- Age –a) 15-20 b)21-25 c)26-30

d)31-35 e)36-40 f)40&above

15-20 21-25 26-30 31-35 36-40 40above

27 60 8 8 4 13

70
60
60

50

40

30 27

20
13
10 8 8
4

0
15-20 21-25 26-30 31-35 36-40 40above

Interpretation: The above graph shows the age bracket of the total population, out of
all the maximum people are of age group from 21-25 who are youths and then some
belong to age group of 15-20. Few people are above 40 and very few belong to age group
from 26-40

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Q- Income

a)>20000 b)31000-50000 c)31000-40000

d)41000-50000 e)51000-70000 f)70000&above

35
32
30
30

25

20
Series1
16
15
15 14
13

10

Interpretation: This table shows that maximum of the respondents are earning Rs.20000-
50000, and some are earning Rs.50000-70000. Out of total very less respondents are earning
below Rs.20000.

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CHAPTER-5
FINDINGS

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Findings

1. To understand what factors people consider while they take lone from private limited
companies.

Findings- Through the analysis it is clear that private limited companies charges high rate of
interest on specific loan. So most of the people prefer government bank for having the loan
because they charges low rate of interest on there specific lone. But government bank applies
lots of sanction conditions so thats why people have to shift toward private financial institutes
to have lones.

2. To understand customer perception on various factors regarding top banks in INDIA.

Findings-Through the research it was found that customers have different perceptions for
different banks and private institutes for various factors. The maximum customer feels that
ICICI has a good brand name and have good reputation in market. But they are not that
satisfied towards the people as government banks because they provide such a low rate of
interest as the private banks and financial institute cant able to provide there customer.

3. To understand where customer prefer to have lone

Findings-Out of the total target population maximum customers prefer to have lone
from third party the reason might be that these third party agents are easily available
in the area where the consumers re side. Third party agents use to take all headache
of there customer and in last they have sum amount of money from them.

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 CHAPTER-6
SUGGESTIONS
AND
CONCLUSION

22
5.1-SUGGESTIONS:

5.1.1-Suggestions to have lone from private

institutes
According to the consumer if any person don’t want to fell any type of
inconvenience or any type of problem in there life or any type of disturbance
so they can move towards to private institution of private banks. In private
institutions or private banks they charges high rate of interest as compare to
public bank but there we don’t have to do anything all the formalities have been
done by themselves and there institutions only.

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5.1.2-Suggestions to have lone from public bank
According to the consumer if any can face problems or can suffer such number of
problem or have pations in them they can move towards public or government
bank in government bank they charges low rate of interest in compare to private
banks but they apply such term and conditions and demands lots of paper from
the customer .

CONCLUSION

24
Through the research it was found that people would like to have
or take lone from private institution or private bank because
every person don’t want to face any kind of trouble in there life.
As compare to government banks private institutions or bank
provide lone in such a short period of time an on other hand
government banks take such a long period of time to provide the
lone to the consumer. Thats why in such era of this time people
use to prefer take lone from private institutions

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CHAPTER-7
BIBLIOGRAPHY

26
 BIBILOGRAPHY:-
For successfully completing of my project
file

I have taken help from the following website and links and some of my

known and friends which helps me in completing my project file.

WWW.GOOGLE.COM

WWW.WIKIPEDIA.COM

WWW.MOZILAFIREFOX.COM

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 CHAPTER-7
QUESTIONNAIRE

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QUESTIONNAIRE
1. Name - ________________-

2. Gender –a) Male b) Female

3. Age –a) 15-20 b)21-25 c)26-30

d)31-35 e)36-40 f)40&above

4. Income (family monthly) –

a)<20000 b)21000-30000 c)31000-40000
d)41000-50000 e)51000-70000 f)70000&above

5. Occupation-
a)Student b)Businessman c)Serviceman

6. Do you like to have lone?

Yes No

7. Rate of interest is considered while having lone.

8. Yes No

9. What is your frequency to have lone ?

Daily
Once in 5 years Once in 10 year

10. From where you would like to have lone ?

Private banks government banks

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