A SYNOPSIS ON

“To Study the Financial Performance Analysis

of Gruha Homae Finance ltd. Chandrapur”
Submitted for the partial fulfilment of the
requirement for the award of Degree in

Master of Business Administration

(Gondwana University Gadchiroli)

Submitted By
Mr. Ganesh B. Dandelwar
M. B. A. (Final Year)
2023-2024

Under the Guidance of

Dr. Rakesh Ramteke

Under the Guidance of

Sau. Leena Kishor Mamidwar Institute of

Management Studies & Research, Kosara,
Chandrapur
2023 – 2024
 Sau. Leena Kishor Mamidwar
Institute of Management Studies & Research, Kosara,
Chandrapur

CERTIFICATE

This is to certify that, Mr. Ganesh B. Dandelwar is a

bonafied MBA (Final Year) Student of Sau. Leena Kishor Mamidwar
Institute of Management Studies & Research, Kosara, Chandrapur for
the session 2023 -2024 completed his synopsis entitiled “To Study the
Financial Performance Analysis of Gruha Homae Finance ltd.
Chandrapur” Under the guidance of Dr. Rakesh Ramteke .

The Synopsis is being submitted to Gondwana University,

Gadchiroli in the partial fulfillment of the requirement for the Degree
of Master of Business Administration.

Date :
Place : Chandrapur
Dr. Rakesh Ramteke
(PROJECT GUIDE)
Sau. Leena Kishor Mamidwar Institute of
Management Studies & Research,
Kosara, Chandrapur
 INDEX

Sr. No. Chapters Pg. No.

1. Introduction 1

2. Company Profile 2

3. Objective of Study 3

4. Limitation of Study 4

5. Importance and Scope of Study 5

6. Hypothesis 6

7. Research Methodology 7

8. Review of Literature 8

9. Possible Outcome 9

10. Bibliography 10
 INTRODUCTION

Financial analysis is the process of identifying the financial

strengths and weaknesses of the firm and establishing relationship
between the items of the balance sheet and profit & loss account.
Financial ratio analysis is the calculation and comparison of ratios,
which are derived from the information in a company‟s financial
statements. The level and historical trends of these ratios can be
used to make inferences about a company financial condition, its
operations and attractiveness as an investment.

The primary purpose of financial reports is to provide

information and data about a company’s financial position and
performance, including profitability and cash flows. The
information presented in the reports —including the financial
statements and notes and management’s commentary or
management’s discussion and analysis—allows the financial
analyst to assess a company’s financial position and performance
and trends in that performance.

Overall, a central focus of financial analysis is evaluating the

company’s ability to earn a return on its capital that is at least equal
to the cost of that capital, to profitably grow its operations, and to
generate enough cash to meet obligations and pursue opportunities.
Fundamental financial analysis starts with the information found in
a company’s financial reports. These financial reports include
audited financial statements, additional disclosures required by
regulatory authorities, and any accompanying (unaudited)
commentary by management.

1.
 COMPANY PROFILE

Company Profile :- Gruh Finance Ltd in Chandrapur HO,

Chandrapur Buying a house needs huge capital investment.
However, the availability of loans has made it easier for many to
buy a house. Thanks to banking or financial institutes, getting a
loan is a lot easier than before. All you need is a good credit score
and valid documents for the application. Some banks also enable
you to apply for Home Loans online. You can apply for a fixed-
rate loan, or an adjustable-rate loan usually set for a limited period.
Many financial institutions in Chandrapur offer loans at an
attractive interest rate without much documentation. You can get a
loan from Gruh Finance Ltd in Chandrapur HO Chandrapur to buy
a house.
GRUH Finance Ltd was incorporated in July 21st, 1986 as a
specialized Housing Finance Company. The principal business is
to provide loans for purchase or construction of residential houses.
GRUH Finance is a subsidiary of HDFC Ltd - the pioneer in
housing finance in India. As on 31 March 2019, GRUH Finance
had retail network of 195 offices across 11 states and one union
territory. GRUH Finance commenced operations from
Ahmedabad, Gujarat in January 1988. The company came out with
an FCD issue in 1994-95, which was oversubscribed. Keeping in
view the competitive environment and the emerging challenges,
the company has introduced new loan products like site finance and
loans for non-residential premises. It also plans to finance land
development projects.The company received a rating of MA+
(1999-2000) for its fixed deposit programme from Investment
Information & Credit Rating Agency of India.
2.
 OBJECTIVES OF THE STUDY

1) Analysis of the company’s last five years financial

Performamce.
2) To determine that in the recession time company position &
inflation effect on company.
3) To provide in depth knowledge of how the company’s
financial figures were affected and what all changes have
occurred in financial statements.
4) To study ratios and working capital which reveal the changes
so far.

3.
 LIMITATIONS OF THE STUDY

1) In the study many factors that need detailed analysis could not be
discussed in detail because of the limitations regarding length of the
project and available time.
2) The study is based on only secondary data.
3) The period of study was 2019 to 2023 financial years only.
4) One of the factors of the study was lack of availability of ample
information. Most of the information has been kept confidential and
as such as not assed as art of policy of company.
5) The whole study was conducted in a period of 60 days, which is not
sufficient to carry out proper interpretation and analysis.

4.
 SCOPE OF STUDY

1) This study will try to analyse the balance sheet Company

2) The will analyze Profit and loss account of the company.

3) The will also try to throw light on Cash flow statement of

company

4) It is helpful to study various ratios of the company.

5.
 HYPOTHESIS
An hypothesis is a conjectural statement of the relationship
between two or more variables. Hypothesis are always in declarative
sentence. Form and they relate either generally or specifically variable
to variables. A good accounting ratios gives a proper accounting record
and effective informal control. In view of this study, there searcher
formulate Null hypothesis and Alternate hypothesis to test here search
work.
▪ The financial position of Company is good in as compared to
previous years.
▪ There is considerable increase in net sales in current year as
compared to previous year sale.

6.
 RESEARCH METHODOLOGY

Research methodology is a way to systematically

solve the research problem and an approach in management
research to achieve pre-defined objectives. It comprises the
procedures used for generating, collecting and evaluation of data
method. It helps a researcher to guide during the course of research
work and also to proceed to conduct the study as per the objectives

❖ PRIMARY DATA
The information is collected through the primary sources like:
1. Collecting data through Unstructured Interviews of the
executive and Discussion with (Team Leader) of the Finance
Department.

2. Getting information by observations e.g. in Business

processes.

❖ SECONDARY DATA
The method of data collection used in the study is secondary
data like ;
Secondary data was obtained from company records, magazines
and annual reports etc.

7.
 REVIEW OF LITERATURE

1) K. Geethanjali & Dr. S.Santhakumari (2019)- Investors

perception towards online trading in Coimbatore .This research is a
descriptive research study in which convenient sampling techniques
is used. This survey is used to select the sample size ,validity and
reliability of the questionnaire 391 samples are selected for the
study.
2) Dr. U. Thasli, Ariff, M. Nandhini and T. Pavithra (2019)-An
investors perception towards online trading . The study aims to
identify the preference of the respondent towards online trading in
Udumalpet Talak . In this study questionnaire was collected from
100investors.
3) C. Navya, CH. Deepthi (2019) – Investors attitude towards online
trading. It aims that studying the investor’s perception of online
trading in share markets and helps to find out the present level of
service provided by identifying the area which require attention for
improving its services.
4) Dr. Iqbal Thonse Hawaldar, Dr. Habeeb Ur Rahiman (2019) –
Investors perception towards stock market. This study is to
understand the different personal factors affecting their investment
decision and the different factor influencing various categories of
investment. Chisquare test was used as a tool to arrive at a decision
regarding the association between two variables.

8.
 POSSIBLE OUTCOME

The study undertaken has brought in to the light of the following

conclusions. According to this project I came to know that from the
analysis of financial statements it is clear that Gruha Home Loan
Finance Limited the company have been incurring profit during the
period of study. So the firm should focus on getting of huge profits in
the coming year by taking care internal as well as external factors.
Gross profit and net profit of the Siesta Logistics Corporation Limited
is fluctuating over the past five years. On an average the Siesta
Logistics Corporation Limited overall performance is quite satisfactory

9.
 BIBLIOGRAPHY

1) Prasana Chandra; “Financial Management.’’

2) Ment Theory & Practice”, 7th Edition, Tata Mc Graw Hill.

3) Ravi M. Kishore; “Financial Management” 7th edition; Taxman’s.

MAGAZINES:

1) Business Today; Chaitnya Kalbag

2) Business India; Ashok H. Advani

Signature of the Student Signature of the Guide

Mr. Ganesh B. Dandelwar Dr. Rakesh Ramteke
MBA Final Year L.K.M.I.M.S.R Kosara,
2023-2024 Chandrapur

10.