The first chapter deals with the introduction to the organization I have worked with and the current scenario of retail loans. It further looks into the effect of the different techniques used for Credit appraisal and suggests mechanisms to handle the problem by drawing on experiences from different techniques used. This report also compares the strategies to deal with Credit Appraisal and to check the credit worthiness of the customers. While default risk is unavoidable/inescapable, risk mitigation is recognized as a significant technique. But lending activity is associated with various risks, the most predominant being default risk. Loans and advances constitute significant portion of a banks Balance Sheet.

One of the basic tenets of the loan policy is to вЂensure continuous growth of loan assets while endeavouring that they remain secure, performing and standardвЂ™. try to continue giving quality loan to its customers. Credit Appraisal is a process through which institutions like banks etc. I had the privilege of undertaking the project on Credit Appraisal.

Summary As a part of MBF programme, a student has to pursue a project duly approved by the Director of the institute. Ramesh Vege Senior Manager,Union Bank of India Last but not the least, I would thank the faculty and staff members of Indian Institute of Finance, who have extended their helping hand by sharing their knowledge and experiences. Aman Agarwal, Director, IIF, whose words of wisdom and motivation has inspired me to come this long way. Agarwal, Chairman, Indian Institute of Finance, and Prof. My deep sense of obligation goes to Prof. Vinod Mathur (Assistant Manager, Regional Branch), for lending out their helping hand in making me understand the basics of Credit appraisal. Rakesh Khare (Chief Manager, Regional Office, Union Bank of India) and Mr. I would also thank Mr.Ramnathan (Assistant General Manager, Regional Office, Bhopal), Mr. Manager, Union Bank of India, Bhopal Branch), for giving his precious time in making me understand the practical difficulties in Credit Appraisal and its management. His valuable advice and guidance has been a major factor in completion of this project. Ramesh Vege(Senior Manager, Regional Office, Union Bank of India, Bhopal), for giving me an opportunity to undertake this project, as a part of my requirement of Summer Training during my MBF Program. I would express my gratitude to my guide Mr. Raman (General Manager, Zonal Office, Union Bank of India, Bhopal) for giving me this opportunity and allowing me to work in the Finance Division of Regional Office of Union Bank of India. I also declare that this project has not been submitted nor shall it be submitted in future to any other University or Institution for the award of any other Degree or Diploma.ДЄCKNOWLEDGEMENT This project is the result of my deep interest in the Banking sector. J.D.Agarwal, Director, Indian Institute of Finance, New Delhi. Vinod Mathur, Assistant Manager, Credit Division, Union Bank of India and Prof. Ramesh Vege Senior Manager, UBI, BhopalДECLARATION I hereby declare that the project report titled вЂњAnalysis of Credit Appraisal in Union Bank of IndiaвЂќ has been prepared by under the guidance of Mr.

UNION BANK OF INDIA BY APOORVA GHOSH 41080240-2010 UNDER THE ESTEEMED GUIDANCE OF Mr.

Credit appraisal dd mukherjee pdf