This document provides details for a projected financial statement submission to a bank for a loan proposal by Shree Ganesh General Store in Baramati, India. It includes an introduction to the business, objectives of the study, sources of funding for the project including a term loan, schedules projecting costs, revenues, expenses, and financial ratios over a 5 year period. The purpose is to provide the necessary information for the bank to evaluate the loan proposal.
Comparative study of interest rates on education loans conducted at pnbProjects Kart
The document discusses various types of education loans available in India including student loans, parent loans, and private loans. It provides details on the eligibility, expenses covered, quantum of finance, margin requirements, security, interest rates, and processing for education loans offered by Punjab National Bank. Key points include:
1) Education loans are available for a variety of degree and professional courses in India and abroad.
2) Loan amounts are needs-based up to Rs. 10 lakhs for studies in India and Rs. 20 lakhs for abroad, with higher amounts allowed on a case by case basis.
3) Security requirements range from co-obligation of parents only for loans up to Rs. 4
CONSUMER AWARENESS & PERCEPTION TOWARDS HOME LOANBhavesh Patel
This document is a research report submitted for a Master of Business Administration degree. It examines consumer awareness and perception towards home loans. The report was submitted by Bhavesh Patel under the supervision of Dr. Jay Desai. It includes an introduction outlining the importance of home loans, a review of various banks' home loan products, and the research methodology used in the study. The objectives are to analyze customers' perceptions of home loans offered by banks and understand various factors influencing their decisions. Primary data was collected through structured questionnaires. The findings will help banks improve their home loan offerings and better meet customers' needs.
Customer satisfaction level towards the service provided by the co operative ...Pritesh Radadiya
In this report all services of the SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. Like loan facility, locker facility, fixed deposit facility and followed by other services provided by the bank have been analyzed and rehired with the help of primary data.
We have tried our level best to include each and special features of SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. in this report.
Each part begins with an introduction section to know what actually does it means.
The very first part of the report starts with the history of banking and followed by the company’s information and analysis of primary data.
ICIC Project on Loans and financial analysisRaju Kadire
find a bit analysis on icici bank and its loan process personal loans in Hyderabad and you can find the project report of ICICI bank different types of business
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
Financial Performance Analysis of Selected Private Sector Banks in IndiaDr. Amarjeet Singh
The performance of the banking system has been
widely recognized as an important element for economic
growth and for enhancing the economic and financial system
buoyancy in facing financial crisis. In fact, such a vital role in
the economy has made banks to be considered as one of the
most strained kinds of businesses in the globe as they are
subject to close scrutiny since banks will otherwise be
counterproductive and severely damage the economy of a
country. Efficient and profitable banks maximize
shareholders’ value and encourage the shareholders to make
additional investments. As a result of which, more
employment opportunities will be created and more goods
and service will be produced and ultimately bring about
economic growth in which private and public sector banking
institutions play equal role. The present study analyses the
financial performance of selected private banks in India with
the help of correlation analysis by considering return on total
assets as the independent variable.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Comparative study of interest rates on education loans conducted at pnbProjects Kart
The document discusses various types of education loans available in India including student loans, parent loans, and private loans. It provides details on the eligibility, expenses covered, quantum of finance, margin requirements, security, interest rates, and processing for education loans offered by Punjab National Bank. Key points include:
1) Education loans are available for a variety of degree and professional courses in India and abroad.
2) Loan amounts are needs-based up to Rs. 10 lakhs for studies in India and Rs. 20 lakhs for abroad, with higher amounts allowed on a case by case basis.
3) Security requirements range from co-obligation of parents only for loans up to Rs. 4
CONSUMER AWARENESS & PERCEPTION TOWARDS HOME LOANBhavesh Patel
This document is a research report submitted for a Master of Business Administration degree. It examines consumer awareness and perception towards home loans. The report was submitted by Bhavesh Patel under the supervision of Dr. Jay Desai. It includes an introduction outlining the importance of home loans, a review of various banks' home loan products, and the research methodology used in the study. The objectives are to analyze customers' perceptions of home loans offered by banks and understand various factors influencing their decisions. Primary data was collected through structured questionnaires. The findings will help banks improve their home loan offerings and better meet customers' needs.
Customer satisfaction level towards the service provided by the co operative ...Pritesh Radadiya
In this report all services of the SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. Like loan facility, locker facility, fixed deposit facility and followed by other services provided by the bank have been analyzed and rehired with the help of primary data.
We have tried our level best to include each and special features of SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. in this report.
Each part begins with an introduction section to know what actually does it means.
The very first part of the report starts with the history of banking and followed by the company’s information and analysis of primary data.
ICIC Project on Loans and financial analysisRaju Kadire
find a bit analysis on icici bank and its loan process personal loans in Hyderabad and you can find the project report of ICICI bank different types of business
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
Financial Performance Analysis of Selected Private Sector Banks in IndiaDr. Amarjeet Singh
The performance of the banking system has been
widely recognized as an important element for economic
growth and for enhancing the economic and financial system
buoyancy in facing financial crisis. In fact, such a vital role in
the economy has made banks to be considered as one of the
most strained kinds of businesses in the globe as they are
subject to close scrutiny since banks will otherwise be
counterproductive and severely damage the economy of a
country. Efficient and profitable banks maximize
shareholders’ value and encourage the shareholders to make
additional investments. As a result of which, more
employment opportunities will be created and more goods
and service will be produced and ultimately bring about
economic growth in which private and public sector banking
institutions play equal role. The present study analyses the
financial performance of selected private banks in India with
the help of correlation analysis by considering return on total
assets as the independent variable.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 and is engaged in the business of Loans , Advances, Acquisition of shares/stock/bonds/debentures/ securities issued by Government or local authority or other securities of like marketable nature, Leasing, Hire-purchase, Insurance business, Chit business.
A non-banking institution which is a company and which has its principal business of receiving deposits under any scheme or arrangement or any other manner, or lending in any manner is also a non-banking financial company (Residuary non-banking company).
Credit appraisal in sbi bank project6 report Babasab Patil
The document discusses the banking sector in India. It notes that the Reserve Bank of India closely monitors the financial sector, which is dominated by scheduled commercial banks including public, private, foreign, and regional rural banks. It then focuses on providing details about the State Bank of India, noting that it is the largest bank in India with over 8,500 branches and that it is undergoing changes to modernize and expand its services to compete better. The document also provides a brief overview of the classification and reforms of the banking system in India.
The document contains the mission statement, vision statement, and analyses of State Bank of India (SBI).
The mission statements focus on becoming a premier Indian financial institution committed to excellence in customer service and shareholder value, while playing a leading role in India's financial sector.
The vision statements articulate goals such as attaining world-class efficiency and professionalism, maximizing shareholder value, and providing opportunities for employee growth.
Analyses of SBI note political, economic, social, and technological factors that could impact its operations, such as government policies, economic growth trends, demographic shifts, and advancing financial technologies.
SIP PROJECT ON ICICI BANK BY :- GAURAV BHUTGaurav Bhut
The banking industry in India has a long history dating back to indigenous bankers in ancient times who provided loans and credit. After independence, the Reserve Bank of India was established in 1935 to regulate the banking sector. Several public sector banks were nationalized in 1969 to expand access to credit. The banking industry is now regulated under the Banking Regulation Act of 1949. ICICI Bank was established in 1994 and helped pioneer private sector banking in India. It has since grown to become one of the largest private sector banks in the country.
This document provides a summary of a research project on the home loan market from a consumer perspective. It includes an introduction, literature review, research methodology, data analysis, findings, and conclusion sections. The introduction provides background on home loans and their advantages and disadvantages. The literature review summarizes several past studies on topics like housing finance companies, home loan growth rates, and housing credit situations. The research methodology describes the study's objectives, design, data sources, sampling, and data analysis tools. The findings and conclusion sections analyze and summarize the results of the study.
CANARA BANK-Financial Presentation and Strategical analysisZAINMENON10
Canara Bank was founded in 1906 in Mangalore, India by Ammembal Subbarao Pai. It has a vision to be a best practices bank and a mission to provide quality banking services. The bank has a long history and is now one of the largest commercial banks in India, with international branches in the UK, China, Hong Kong, Bahrain, and UAE. The document reviews Canara Bank's financial performance from 2011-2014 and provides details on its instruments like loans, deposits, guarantees, and letters of credit, as well as a strategic analysis using SWOT and Porter's Five Forces models. It concludes with recommendations to issue bonds and introduce new fixed deposit policies.
This document provides an agenda for a project presentation on a customer satisfaction survey conducted on State Bank of India's home loan product. The presentation covers the history and evolution of SBI, its positioning in the market, advertising and sales promotion strategies, market segmentation, its home loan product details, competitive strategies, distribution strategies, and future directions. It then outlines the research methodology used, analysis and inferences from the survey results, and provides recommendations.
The document provides information about credit rating agencies in India. It discusses how India was one of the first developing countries to establish a credit rating agency in 1988. It then outlines the key functions and importance of credit rating agencies, describing how they assess an entity's creditworthiness and ability to repay debt through financial analysis and assigning ratings. The document also details the credit rating process, highlighting the steps of data gathering, management meetings, rating assignment, publication and ongoing surveillance. Finally, it lists the major credit rating agencies operating in India, including CRISIL, ICRA, CARE, Duff & Phelps and Onicra.
ICICI Bank is one of the largest private sector banks in India. It was established in 1955 as the Industrial Credit and Investment Corporation of India. Some key points about ICICI Bank:
- It has a large network of over 3,500 branches within India and a presence in 19 other countries.
- The bank has numerous subsidiaries that offer services like insurance, asset management, investment banking, etc.
- Over the years it has acquired several other companies to expand its operations, like Bank of Madura, Bank of Rajasthan.
- It offers many innovative products for retail and corporate customers like its Facebook banking app 'Pockets', a flexible recurring deposit called 'iWish', and
A comparative study of retail banking strategies adopted by various private s...Projects Kart
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
Comparative study of interest rates on housing loanProjects Kart
This document provides an overview of the contents of a research paper on housing loans, including an introduction, research design, and chapter outlines. The introduction discusses how home loans have become necessary for many to purchase property. The research design section outlines the statement of the problem, objectives, and methodology. It aims to analyze housing loan interest rates and schemes offered by banks. The document also lists the subsequent chapters that will be included, such as the literature review, company profile, data analysis, findings, and conclusion.
The document is a student project report on bank loans submitted to the University of Mumbai. It includes an introduction that defines loans and their importance for banks and customers. It also describes different types of bank loans like lines of credit, installment loans, and secured/unsecured loans. The report further discusses government-backed SBA loan programs in the US that aim to support small businesses through loan guarantees.
A STUDY ON FUNDAMENTAL ANALYSIS OF BANKING SECTOR (WITH SPECIAL REFERENCE TO ...IAEME Publication
The study consist of fundamental analysis so it focuses on the overall state of the economy, and considers factors including interest rates, production, earnings, employment, GDP, housing, manufacturing and management. When analyzing a stock, futures contract, or currency using fundamental analysis there are two basic approaches one can use: bottom up analysis and top down analysis. So the researcher gives the problem as A study on fundamental analysis of banking sector with special reference to public sector banks. The main objective is to study the fundamental analysis of three banks which Punjab National Bank (PNB), Bank of Baroda (BOB) and State Bank of India (SBI).
This document summarizes a thesis paper that analyzes and compares the performance of private commercial banks, foreign commercial banks, and Islamic banks in Bangladesh from 2008 to 2014. The paper uses various metrics like deposits, assets, net interest income, net income, return on assets, return on equity, number of branches, and employment to evaluate and compare the performance of the three banking groups. Statistical tests like ANOVA and regression analysis are conducted on secondary data collected from annual reports of the banks and Bangladesh Bank publications. The paper aims to determine if there are significant differences in performance between the banking groups and to understand how net interest income of banks is affected by deposits and number of branches. Key findings and recommendations for improving bank performance and profitability are
This document is a project report submitted by P. Pavithra in partial fulfillment of the requirements for a Master of Business Administration degree from Saveetha School of Management. The project focuses on credit risk management at State Bank of India's Park Town branch. It includes a certificate verifying the project as Pavithra's original work. It also includes an acknowledgment, declaration, abstract, and table of contents sections.
This document summarizes a study conducted at Karvy Stock Broking Ltd in Bijapur, India. The study aimed to analyze investment patterns in mutual funds among Karvy investors and increase mutual fund awareness. It was found that most respondents neglect mutual funds and prefer long-term investments. The study suggested that Karvy communicate the opportunities and benefits of mutual funds to investors and start an investor club to create awareness.
The document is a project report comparing housing loans provided by SBI and HDFC Bank. It discusses the objectives of the study, flow of presentation, introduction to housing loans, types of loans, advantages and disadvantages. It provides details about the procedures to get a loan and documents required. It then examines the features, interest rates and eligibility criteria of loans offered by SBI and HDFC Bank. Finally, it compares the key differences between loans offered by the two banks.
Credit appraisal for term loan and working capital financing with special ref...Sandeep Singh
This document appears to be a student project report submitted for a post-graduate diploma program. It discusses credit appraisal for term loans and working capital financing, with a focus on consortium banking. The report includes an acknowledgements section, table of contents, and 14 main sections discussing topics like the banking industry, Punjab National Bank, types of lending, methodology, case studies, and recommendations. The case study analyzes a term loan provided to an energy company and discusses India's power sector scenario.
This document is a summer internship project report submitted by Nitin C. Lasunte to Rastrasant Tukadoji Maharaj Nagpur University. It examines the general banking and finance practices at Nagpur Nagarik Sahakari Bank Ltd. in Nagpur, India. The report includes sections on the bank's management structure, various deposit schemes like savings accounts and current accounts, services offered, research methodology, financial analysis, data analysis, and conclusions and recommendations. It was prepared under the supervision of Prof. Bhavesh Agrawal during Nitin's MBA program at Nagpur Institute of Technology.
Analysis of Deposit Schemes and Investment Mode of Pubali Bankakashcreation
This document provides an overview of an internship report submitted by Bristi Dey Joya to fulfill the requirements of a Bachelor of Business Administration degree. The report analyzes the deposit schemes and investment modes of Pubali Bank Limited's Chakbazar branch in Chattogram. The summary includes an introduction to Pubali Bank, acknowledgments, table of contents, and outlines of each chapter. Key points covered are the bank's background, management structure, vision and mission, financial position, literature review on deposit management and investment policies, theoretical aspects of PBL's deposit schemes and investment modes, and analysis of deposit schemes and investments at the Chakbazar branch.
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 and is engaged in the business of Loans , Advances, Acquisition of shares/stock/bonds/debentures/ securities issued by Government or local authority or other securities of like marketable nature, Leasing, Hire-purchase, Insurance business, Chit business.
A non-banking institution which is a company and which has its principal business of receiving deposits under any scheme or arrangement or any other manner, or lending in any manner is also a non-banking financial company (Residuary non-banking company).
Credit appraisal in sbi bank project6 report Babasab Patil
The document discusses the banking sector in India. It notes that the Reserve Bank of India closely monitors the financial sector, which is dominated by scheduled commercial banks including public, private, foreign, and regional rural banks. It then focuses on providing details about the State Bank of India, noting that it is the largest bank in India with over 8,500 branches and that it is undergoing changes to modernize and expand its services to compete better. The document also provides a brief overview of the classification and reforms of the banking system in India.
The document contains the mission statement, vision statement, and analyses of State Bank of India (SBI).
The mission statements focus on becoming a premier Indian financial institution committed to excellence in customer service and shareholder value, while playing a leading role in India's financial sector.
The vision statements articulate goals such as attaining world-class efficiency and professionalism, maximizing shareholder value, and providing opportunities for employee growth.
Analyses of SBI note political, economic, social, and technological factors that could impact its operations, such as government policies, economic growth trends, demographic shifts, and advancing financial technologies.
SIP PROJECT ON ICICI BANK BY :- GAURAV BHUTGaurav Bhut
The banking industry in India has a long history dating back to indigenous bankers in ancient times who provided loans and credit. After independence, the Reserve Bank of India was established in 1935 to regulate the banking sector. Several public sector banks were nationalized in 1969 to expand access to credit. The banking industry is now regulated under the Banking Regulation Act of 1949. ICICI Bank was established in 1994 and helped pioneer private sector banking in India. It has since grown to become one of the largest private sector banks in the country.
This document provides a summary of a research project on the home loan market from a consumer perspective. It includes an introduction, literature review, research methodology, data analysis, findings, and conclusion sections. The introduction provides background on home loans and their advantages and disadvantages. The literature review summarizes several past studies on topics like housing finance companies, home loan growth rates, and housing credit situations. The research methodology describes the study's objectives, design, data sources, sampling, and data analysis tools. The findings and conclusion sections analyze and summarize the results of the study.
CANARA BANK-Financial Presentation and Strategical analysisZAINMENON10
Canara Bank was founded in 1906 in Mangalore, India by Ammembal Subbarao Pai. It has a vision to be a best practices bank and a mission to provide quality banking services. The bank has a long history and is now one of the largest commercial banks in India, with international branches in the UK, China, Hong Kong, Bahrain, and UAE. The document reviews Canara Bank's financial performance from 2011-2014 and provides details on its instruments like loans, deposits, guarantees, and letters of credit, as well as a strategic analysis using SWOT and Porter's Five Forces models. It concludes with recommendations to issue bonds and introduce new fixed deposit policies.
This document provides an agenda for a project presentation on a customer satisfaction survey conducted on State Bank of India's home loan product. The presentation covers the history and evolution of SBI, its positioning in the market, advertising and sales promotion strategies, market segmentation, its home loan product details, competitive strategies, distribution strategies, and future directions. It then outlines the research methodology used, analysis and inferences from the survey results, and provides recommendations.
The document provides information about credit rating agencies in India. It discusses how India was one of the first developing countries to establish a credit rating agency in 1988. It then outlines the key functions and importance of credit rating agencies, describing how they assess an entity's creditworthiness and ability to repay debt through financial analysis and assigning ratings. The document also details the credit rating process, highlighting the steps of data gathering, management meetings, rating assignment, publication and ongoing surveillance. Finally, it lists the major credit rating agencies operating in India, including CRISIL, ICRA, CARE, Duff & Phelps and Onicra.
ICICI Bank is one of the largest private sector banks in India. It was established in 1955 as the Industrial Credit and Investment Corporation of India. Some key points about ICICI Bank:
- It has a large network of over 3,500 branches within India and a presence in 19 other countries.
- The bank has numerous subsidiaries that offer services like insurance, asset management, investment banking, etc.
- Over the years it has acquired several other companies to expand its operations, like Bank of Madura, Bank of Rajasthan.
- It offers many innovative products for retail and corporate customers like its Facebook banking app 'Pockets', a flexible recurring deposit called 'iWish', and
A comparative study of retail banking strategies adopted by various private s...Projects Kart
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
Comparative study of interest rates on housing loanProjects Kart
This document provides an overview of the contents of a research paper on housing loans, including an introduction, research design, and chapter outlines. The introduction discusses how home loans have become necessary for many to purchase property. The research design section outlines the statement of the problem, objectives, and methodology. It aims to analyze housing loan interest rates and schemes offered by banks. The document also lists the subsequent chapters that will be included, such as the literature review, company profile, data analysis, findings, and conclusion.
The document is a student project report on bank loans submitted to the University of Mumbai. It includes an introduction that defines loans and their importance for banks and customers. It also describes different types of bank loans like lines of credit, installment loans, and secured/unsecured loans. The report further discusses government-backed SBA loan programs in the US that aim to support small businesses through loan guarantees.
A STUDY ON FUNDAMENTAL ANALYSIS OF BANKING SECTOR (WITH SPECIAL REFERENCE TO ...IAEME Publication
The study consist of fundamental analysis so it focuses on the overall state of the economy, and considers factors including interest rates, production, earnings, employment, GDP, housing, manufacturing and management. When analyzing a stock, futures contract, or currency using fundamental analysis there are two basic approaches one can use: bottom up analysis and top down analysis. So the researcher gives the problem as A study on fundamental analysis of banking sector with special reference to public sector banks. The main objective is to study the fundamental analysis of three banks which Punjab National Bank (PNB), Bank of Baroda (BOB) and State Bank of India (SBI).
This document summarizes a thesis paper that analyzes and compares the performance of private commercial banks, foreign commercial banks, and Islamic banks in Bangladesh from 2008 to 2014. The paper uses various metrics like deposits, assets, net interest income, net income, return on assets, return on equity, number of branches, and employment to evaluate and compare the performance of the three banking groups. Statistical tests like ANOVA and regression analysis are conducted on secondary data collected from annual reports of the banks and Bangladesh Bank publications. The paper aims to determine if there are significant differences in performance between the banking groups and to understand how net interest income of banks is affected by deposits and number of branches. Key findings and recommendations for improving bank performance and profitability are
This document is a project report submitted by P. Pavithra in partial fulfillment of the requirements for a Master of Business Administration degree from Saveetha School of Management. The project focuses on credit risk management at State Bank of India's Park Town branch. It includes a certificate verifying the project as Pavithra's original work. It also includes an acknowledgment, declaration, abstract, and table of contents sections.
This document summarizes a study conducted at Karvy Stock Broking Ltd in Bijapur, India. The study aimed to analyze investment patterns in mutual funds among Karvy investors and increase mutual fund awareness. It was found that most respondents neglect mutual funds and prefer long-term investments. The study suggested that Karvy communicate the opportunities and benefits of mutual funds to investors and start an investor club to create awareness.
The document is a project report comparing housing loans provided by SBI and HDFC Bank. It discusses the objectives of the study, flow of presentation, introduction to housing loans, types of loans, advantages and disadvantages. It provides details about the procedures to get a loan and documents required. It then examines the features, interest rates and eligibility criteria of loans offered by SBI and HDFC Bank. Finally, it compares the key differences between loans offered by the two banks.
Credit appraisal for term loan and working capital financing with special ref...Sandeep Singh
This document appears to be a student project report submitted for a post-graduate diploma program. It discusses credit appraisal for term loans and working capital financing, with a focus on consortium banking. The report includes an acknowledgements section, table of contents, and 14 main sections discussing topics like the banking industry, Punjab National Bank, types of lending, methodology, case studies, and recommendations. The case study analyzes a term loan provided to an energy company and discusses India's power sector scenario.
This document is a summer internship project report submitted by Nitin C. Lasunte to Rastrasant Tukadoji Maharaj Nagpur University. It examines the general banking and finance practices at Nagpur Nagarik Sahakari Bank Ltd. in Nagpur, India. The report includes sections on the bank's management structure, various deposit schemes like savings accounts and current accounts, services offered, research methodology, financial analysis, data analysis, and conclusions and recommendations. It was prepared under the supervision of Prof. Bhavesh Agrawal during Nitin's MBA program at Nagpur Institute of Technology.
Analysis of Deposit Schemes and Investment Mode of Pubali Bankakashcreation
This document provides an overview of an internship report submitted by Bristi Dey Joya to fulfill the requirements of a Bachelor of Business Administration degree. The report analyzes the deposit schemes and investment modes of Pubali Bank Limited's Chakbazar branch in Chattogram. The summary includes an introduction to Pubali Bank, acknowledgments, table of contents, and outlines of each chapter. Key points covered are the bank's background, management structure, vision and mission, financial position, literature review on deposit management and investment policies, theoretical aspects of PBL's deposit schemes and investment modes, and analysis of deposit schemes and investments at the Chakbazar branch.
Pankaj Sharma completed a 45-day internship at The Kangra Central Co-operative Bank Ltd to fulfill the requirements for an MBA degree. The report provides an overview of the bank's general banking and credit departments. It includes details of the internship structure, time spent in different departments, objectives, and activities performed. The document also gives a brief introduction of the bank, discussing its history, operations, products, and organizational structure. A SWOT analysis of the bank is presented to evaluate its strengths, weaknesses, opportunities and threats.
The document is a student project analyzing the fundamentals of HDFC Bank. It includes an overview of HDFC Bank, its history, management, and financial details. It also analyzes the macroeconomic outlook for the Indian banking sector, including factors like inflation, interest rates, and regulatory changes. Finally, it examines the competitive landscape of the Indian banking industry, including trends among public sector banks, private banks, and foreign banks. The student conducted the analysis under the guidance of a professor to evaluate HDFC Bank as an investment.
This document appears to be an internship report submitted to a university professor. It includes standard components like a title page, letter of transmittal, declaration, approval, acknowledgements, executive summary, table of contents, and chapters on the history and overview of Pubali Bank Ltd, general banking activities, loans and advances, the author's learning experience, findings, and recommendations. The report examines the general banking operations of Pubali Bank Ltd's Mohammadpur branch in Dhaka, Bangladesh as part of the author's BBA program requirements.
New retail banking and investment service bank newNikhil Bagdi
This document is a summer internship project report submitted by Nikhil Verma to fulfill requirements for an MBA program. The report discusses Nikhil's internship at Axis Bank, where he studied the bank's retail banking and investment services. The report is divided into several chapters that introduce the topic, discuss Axis Bank, describe the report's objectives and methodology, provide interpretations and learnings from the internship, and draw conclusions.
This document outlines a study on bank deposits and mobilization with reference to nationalized banks in India. It provides an introduction to the topic and background of the study. It discusses the statement of the problem, scope, objectives and need for the study. It describes the research design, sources of data, field work, data analysis tools, operational definitions and limitations of the study. The study aims to analyze the various deposit schemes offered by nationalized banks in India to mobilize deposits.
This document outlines a study on bank deposits and mobilization with reference to nationalized banks in India. It provides an introduction to the topic and background of the study. It discusses the statement of the problem, scope, objectives and need for the study. It covers the research design, sources of data, field work, data analysis tools, operational definitions and limitations of the study. The main objectives are to analyze the various deposit schemes offered by nationalized banks to mobilize deposits and determine which schemes are most effective.
This document summarizes a student's summer internship report on studying credit monetary analysis and taxation. The internship was completed at Pramod Hedaoo & Associates, a tax consultancy firm in Nagpur, India. The objectives of the internship were to learn about credit monetary analysis, taxation systems, accounting software, and income tax calculations. Key learnings included understanding how banks analyze financial statements to determine loan amounts, the differences between indirect and direct taxes, and how to classify businesses for tax purposes.
This document provides a summary of a loan proposal for a gym project. It includes details on the objectives, scope, limitations and assumptions of the project. It then provides information on the bank profile, research methodology used to collect primary and secondary data, and the process for submitting a loan proposal. The financial details include investment costs, capital structure, annual expenditures, revenue projections for 5 years, loan repayment schedule including EMI calculations for the first two years. Overall, the document outlines all the key financial and operational aspects of the proposed gym project seeking a bank loan.
Study of of working capital management in kotak mahindra bankManali Tendolkar
This project is base on day to day transaction on the business and how they manage it. Also given a information about the advantages growth and development in financial sector and the economy.
This report summarizes M.A. Matin's internship at Pubali Bank Ltd's Principal Branch in Dhaka, Bangladesh. It provides an overview of Pubali Bank's vision, organizational structure, and the general banking, loans, and advances departments. As part of the internship, Matin assisted with account openings, check processing, local remittances like telegraphic transfers and demand drafts, loan applications and disbursements, and customer service. The report also identifies some challenges faced by the bank and provides recommendations to address them.
The document provides an overview of Grameen Bank, including:
- Its history beginning in 1974 when Professor Yunus provided small loans to basket weavers without collateral.
- In 1983, Grameen Bank was officially formed to provide credit to the poor based on mutual trust and accountability.
- Currently, Grameen Bank has over 6.95 million borrowers, 97% of whom are women. It operates across 75,359 villages in Bangladesh with 2,568 branches and over 21,000 employees.
- Grameen Bank pioneered the concept of microcredit and its positive impact on poverty reduction has been documented by organizations like the World Bank.
This document is a project report submitted for the partial fulfillment of an MBA degree. It examines NPA (non-performing asset) management in SBI (State Bank of India). The report includes certificates by the student and supervisor. It also includes a synopsis that outlines the objectives, significance and methodology of the study. The objectives are to understand NPAs, examine SBI's NPA position, understand the impact of NPAs on banks, identify reasons for loan default, and suggest measures to reduce NPAs. The significance is that high NPAs reduce bank profitability. The methodology involves a sample survey of bank officials and analysis of secondary data on SBI's NPA levels and ratios over time.
The document discusses treasury operations at Numaligarh Refinery Limited (NRL) in India. It outlines the objectives of NRL's treasury operations which include managing funds, ensuring timely payments, monitoring collections, and managing the payment-collection cycle. The study finds that NRL's key treasury functions are to optimize the cost of funds, balance working capital loans and cash credits, and verify cash balances daily. The finance department oversees the refinery's treasury, accounts, and other financial operations.
The document summarizes a study on treasury management at Numaligarh Refinery Limited in India. It includes:
- An overview of the refinery's organizational structure and departments involved in treasury operations.
- A definition of treasury management and its importance for businesses.
- Details of the study's objectives, methodology, and findings related to cash management techniques, banking functions, and surplus fund investment practices at the refinery.
The study examines the treasury operations at the refinery to understand practical aspects of cash management in a corporate environment.
This document provides details about Pratik Parulekar's summer internship project at the Overseas Branch of Bank of Maharashtra. The objectives of the project were to study credit appraisal and analysis through hands-on experience with domestic and foreign currency cases. The project involved analyzing client accounts and financial feasibility of loan requests. The document provides background information on Bank of Maharashtra and discusses different types of lending arrangements like sole banking, consortium lending, and their advantages and disadvantages. It also includes a literature review covering credit appraisal process, risk assessment, and key terms related to lending.
This document is a project report submitted by Jhinuk Roy, an MSc Economics student at Calcutta University, on a case study of working capital during an internship at United Bank of India from June to August 2016. The report includes an introduction, literature review on working capital and banking, methodology, case study analysis of a company's working capital proposal and assessment, learning points, and various tables and calculations. The case study assesses a company's working capital needs based on financial ratios, cash flows, credit ratings, and the bank's lending policies to determine if a loan will be sanctioned.
Best Competitive Marble Pricing in Dubai - ☎ 9928909666Stone Art Hub
Stone Art Hub offers the best competitive Marble Pricing in Dubai, ensuring affordability without compromising quality. With a wide range of exquisite marble options to choose from, you can enhance your spaces with elegance and sophistication. For inquiries or orders, contact us at ☎ 9928909666. Experience luxury at unbeatable prices.
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
Call8328958814 satta matka Kalyan result satta guessing➑➌➋➑➒➎➑➑➊➍
Satta Matka Kalyan Main Mumbai Fastest Results
Satta Matka ❋ Sattamatka ❋ New Mumbai Ratan Satta Matka ❋ Fast Matka ❋ Milan Market ❋ Kalyan Matka Results ❋ Satta Game ❋ Matka Game ❋ Satta Matka ❋ Kalyan Satta Matka ❋ Mumbai Main ❋ Online Matka Results ❋ Satta Matka Tips ❋ Milan Chart ❋ Satta Matka Boss❋ New Star Day ❋ Satta King ❋ Live Satta Matka Results ❋ Satta Matka Company ❋ Indian Matka ❋ Satta Matka 143❋ Kalyan Night Matka..
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Neil Horowitz
On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
What follows is a collection of snippets from the podcast. To hear the full interview and more, check out the podcast on all podcast platforms and at www.dsmsports.net
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
Easily Verify Compliance and Security with Binance KYCAny kyc Account
Use our simple KYC verification guide to make sure your Binance account is safe and compliant. Discover the fundamentals, appreciate the significance of KYC, and trade on one of the biggest cryptocurrency exchanges with confidence.
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
3 Simple Steps To Buy Verified Payoneer Account In 2024SEOSMMEARTH
Buy Verified Payoneer Account: Quick and Secure Way to Receive Payments
Buy Verified Payoneer Account With 100% secure documents, [ USA, UK, CA ]. Are you looking for a reliable and safe way to receive payments online? Then you need buy verified Payoneer account ! Payoneer is a global payment platform that allows businesses and individuals to send and receive money in over 200 countries.
If You Want To More Information just Contact Now:
Skype: SEOSMMEARTH
Telegram: @seosmmearth
Gmail: seosmmearth@gmail.com
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
The Genesis of BriansClub.cm Famous Dark WEb PlatformSabaaSudozai
BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
SATTA MATKA SATTA FAST RESULT KALYAN TOP MATKA RESULT KALYAN SATTA MATKA FAST RESULT MILAN RATAN RAJDHANI MAIN BAZAR MATKA FAST TIPS RESULT MATKA CHART JODI CHART PANEL CHART FREE FIX GAME SATTAMATKA ! MATKA MOBI SATTA 143 spboss.in TOP NO1 RESULT FULL RATE MATKA ONLINE GAME PLAY BY APP SPBOSS
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
lone
1. A
PROJECT ON
“PROJECTED FINANCIAL STATEMENTS TO BE
SUBMITED TO THE BANK FOR LOAN PROPOSAL”
OF
“Shree Ganesh general store, BARAMATI -413102”
SUBMITTED BY
MAKAR AMOL SHAHAJI
T.Y.B.B.A
ROLL NO: 9338
SEAT NO:24164
UNDER GUIDANCE OF
PROF.MRS.M.R.BADVE
SUBMITTED FOR
REQUIREMENT OF
BACHELOR DEGREE IN BUSINESS ADMINISTRATION
THE PRINCIPAL,
TULJARAM CHATURCHAND COLLEGE, BARAMATI
AFFILIATED TO
UNIVERSITY OF PUNE
2011-2014.
2. 2
Acknoledgement
This project report on the study “Projected Financial statement to
the bank for loan proposal at “SHREE GANESH GENERAL
STORE, BARAMATI”, for partial requirement of “Bachelor of
Business Administration “(B.B.A) form University of PUNE.
I am thankful to our principal Prof. Dr. C.V. Murumkar sir
who gave me permission to undertake this project. I wish to thank teacher
Prof. Mrs. M.R. Badave, who Provide meaningful insight to the study &
helped me to prepare the project.
I am thankful to the guider of the Business owner Mr.M.R.Shah
For giving permission to undertake the project report on “Projected
Financial statement to be submitted to the bank for loan proposal at
Shree ganesh general store,BARAMATI.”
My parents and also friends are guide and spirit without their co-
operation and support. This project report could not have been
completed.
Place- Baramati
Date- Researcher
(makarAmolshahaji)
3. 3
Declaration
I here declare that the project work Entitled
“Projected Financial Statement to be submitted to the Bank for loan
proposalwith reference to SHREE GANESH GENERAL STORE
BARAMATI.” For the period of 2013-2014 is written by me &submitted
to the University of Pune for the degree of B.B.A.
This requirement as a part of University curriculum of
B.B.A. Of university of Pune .
Place: - Baramati
Date: - Researcher.
(makarAmolshahaji)
4. 4
Index
Sr. No. Particulars Page No.
1 Introduction 8
2 Business Profile 10
3 Research Methodology 12
4 Objectives of study 15
5 Purpose of Loan 17
6 Details of Proprietor 19
7 Cost of project 21
8 Ratio 54
9 Graphical Representation 58
10 Assumptions 62
11 Conclusions 65
12 Bibliography 67
13 Document required for loan 68
5. 5
Schedule index
Sr. No. Particulars Page No.
1. Cost of project 21
2. Working capital 23
3. Loan Repayment & Interest statement 25
4. Revenue statement 31
5. Total salary & Wages 33
6. Other expenses 35
7. Fixed Asset schedule 37
8. Depreciation of statement 39
9. Income Statement 42
10. Sales schedule 44
11. Projected profitability statement 46
12. Projected financial sheet 48
13. Projected fund flow statement 50
14. D.S.C.R 52
15. Ratio 54
6. 6
Graph index
Sr. No Graph Title Page No.
1. Gross profit 58
2. Net profit 59
3. Increase in D.S.C.R 60
8. 8
Introduction
Now a day’s demand for the fast moving consuming good
(FMCG) is increased day by day . The owner of shop want to fulfill
Most need of customer so he wants to stablish general store in
Such a loction from where maximum customer can approach.
Fast moving & consuming goods having a large variety
Production in market as population increasing the demand of FMCG
Goods also increased , by taking advantages of these the proprietor
Of “ shree ganesh general store ” started the business
10. 10
Business profile
Name :- Shree ganesh general store
Proprietor :- Madandas R. shah.
Address :- Ashok nagar,bhigwan road Baramati, dist-pun
state :- Maharastra
pin code :- 413102.
Activity :- purchasing & selling of fast moving consuming
goods
12. 12
Research Methodology
To carry every research program, data is an important
factor without data no program can success. So collection of appropriate
data is the first role of researcher.
Following are the types of data collection-
Types of Data
Primary Data
1. Guidance of teachers 1.Annual reports
2. Interview 2. Journals
3. Observation 3. Newspaper
Secondarydata
13. 13
A] Primary data collectionmethods:-
Primary data means first hand information or original source at
the hands of researcher. This data is collected from him / she for the first
time & it is in original nature. It is the starting
point of data collection & also a powerful source.
Primary data collectionfrom-
1. Guidance of teacher
2. Interview
3. Observation
B] Secondarydata collectionmethods;-
This data is used for second time, Secondary data
collected, processed & published by someone else for their purpose. This
data is readily available in Various Books, Journals, Report, magazines,
newspapers etc.
Following are the main sources of
Secondarydata collection-
1. Annual reports
2. Journals
3.Newspaper
Thus above method are used for data collections to
study & achieve the objectives of project.
15. 15
Objectives of Study
1. To Submit Projected Financial Statements to the banks for loan
proposalfor 5 years.
2. To ProjectLong Term Finance.
3. To decide projecting Return on Investment. (ROI)
4. To makeanalysis of Inflow & Outflow of funds.
5. To projectFuturePolicy Plan.
6. To provideinformation to bank for Repayment of loan.
7. To ensureproper utilization of available sources & application
of fund, assets debt services, working capitaletc.
8. To optimum utilization of Loan amount in proper manner.
9. To forecast& to plan of overall transactions of business with the help
of all necessary Information required for Bank
17. 17
Purposeof loan
“SHREE GANESH GENERAL STORE”requires a
loan for the purposeof purchasing large variety of fast moving
consuming goods .Loan will provide the required finance to the
proprietor for purchasing of various assets which are required for
the business .Loan will provide Mr.shah to take a rental shop.
19. 19
Details of Proprietor
Name of the :- Mr. M.R.Shah
Proprietor
Educational :- B.com
Qualification
Date of Birth :- 25th July, 1963
Permanent a/c no :- ALVPB5518A
Status :- Married
Address :- 121/p ganesh market gunawadi chowk ,
Tal-Baramati,Dist-Pune Pin-413102
21. 21
Schedule No-1
Cost of project
Means of Finance
Cost of project 3,80,000 Rs
Sr. No. Particulars Amount
(Rs)
1 Term loan 2,40,000
2 Own Contribution 1,40,000
3 Total 3,80,000
4 Repayment of Term Loan 5 years
5 Interest Rate 14%
Total cost of project
Sr. No. Particulars Amount
(Rs)
1 Shop deposit 30,000
2 Assets 90,000
3 Working capital 2,60,000
4 Total 3,80,000
23. 23
Schedule No-2
Schedule of working capital
Sr. No. Particulars
year
1st
1 Purchases 2,00,000
2 To Miscellaneous expenses 1,000
3 To Telephone expenses 3,000
4 To shop rent expenses 48,000
5 To postage 100
6
To Travelling expenses 3,000
7
To other expenses 2,000
8
To printing & stationary 1,200
9 Total 2,60,000
42. 42
Schedule No - 9
Income statement
Particulars No.of workers
Total days in year 365days
Working days in year 365days
Daily sales 1,370rs/day
Total sales in year 365*1370
Total sales in year 5,00,000
54. 54
RATIO
The Comparative study of relationship between, Various
items of a financial statement, expressed as a ratio Revels the profitability
liquidity solvency as well as overall financial position of the enterprise.
Ratio can be workout by dividing one of the variable
of relationship with other variables & such ratio values is
compared with the standard in order to highlight deviation made
from those standards, In other words Ratios are relative figures
reflecting the relationship between variables & enables to draw
the conclusions regarding financial operations. Sometime there are
variations due to unreality of financial data or inaccuracy content
there in, Therefore before taking any decision on the basis of
ratio analysis, their reliability must be insured.
Ratio
Traditional Ratio Functionalratio
1. Profit &loss ratio 1.Liquidity ratio
2. Balance ratio 2. Solvency ratio
3. Inter statement ratio 3.Activity ratio
4.Profitability ratio
55. 55
Profitability ratio
Gross profit ratio =Gross profit X 100
Sales
Interpretation
Above calculated ratio shows the gross profit in the project period ,gross
profit remain consistent during project period ,which gives desired value
Particulars
YEARS
1st
2nd
3rd
4th
5th
G/P 2,01,000 2,21,100 2,43,210 2,67,531 2,94,284
Sales 5,00,000 5,50,000 6,05,000 6,65,500 7,32,050
GP ratio 40 40 40 40 40
56. 56
Profitability ratio
Net profit ratio =Net profit X 100
Sales
Interpretation
Net profit ratio shows the consistent increase during project period
,which showd loan repayment capacity of the business
Particulars
YEARS
1st
2nd
3rd
4th
5th
N /P 2,21,100 2,43,210 2,67,531 2,94,284 3,23,712
Sales 5,00,000 5,55,000 6,65,000 6,65,500 7,32,050
NP ratio 14 16 18 19.5 20.5
58. 58
1.Gross profit
Year 1st 2nd 3rd 4th 5th
gross
profit
2,21,100 2,43,210 2,67,531 2,94,284 3,23,712
Interpretation-
Sale will be increased by 10%p.a of every year.
0
500000
1000000
1500000
2000000
2500000
3000000
3500000
1 2 3 4 5
Sales
year
sales
59. 59
2.Net profit
Year 1st 2nd 3rd 4th 5th
Net
Profit
68,573 90,624 1,10,366 1,29,874 1,50,061
INTERPRETATION- From the above ratio & graph it is Clear that
the Gross Profit is increasing by 10% p.a. of every year.
0
200000
400000
600000
800000
1000000
1200000
1400000
1 2 3 4 5
net
profit
gross profit
60. 60
3.increase in
DEBT SERVICE COVERAGE RATIO
Year 1st 2nd 3rd 4th 5th
D.S.C.R.
(A/B)
1.53 1.77 2.09 2.51 3.07
INERPRETATION-
D.S.C.R is important for any bank to see the loan
repayment capacity of business. If it is more than 1.5 then the business
loan capacity is good and any one can provide the loan to this business.
From the above graph it is clear that the D.S.C.R is
above 1.5 then bank must provide loan to this business.
0
0.5
1
1.5
2
2.5
3
3.5
4
1 2 3 4 5
D.S.C.R
D.S.C.R
62. 62
Assumptions
1.Cost of project
Term loan assumed rs .2,40,000
Own contribution assumed rs. 1,40,000
2.Term loan repayment
Repayment of loan is within five years.
Interest on loan is assumed 14%
3.revenune
Gross profit increased by 10%p.a every year
Sales & purchases increased by 10%p.a every year
Debtors increased by 20%p.a every year on sales.
4.depreciation
Rate of depreciation is assumed on the fixed asset as per base year
balance sheet
Particulars rate of depreciation
1.computer 60%
2.Furniture 10%
3.Refrigerator 15%
4.Cycle 15%
5.Electronic scale 15%
6.Air cooler 20%
5.other expenses
All other expenses incurred are increased by 10% p.a every year
63. 63
6.salary
Two workers assumed with rs.3750 salary per month & increased
by 10% p.a every year
7. Taxation
Tax rate 25% p.a every year
8.Balance sheet
Investment on 1st year assumed rs.1,00,000 & increased by Rs
25,000 every year
Preliminary expenses are assumed Rs.10,000p.a & it is written off
Rs 10,000 p.a every year during project period
65. 65
CONCLUSION
The above detail information which is provide in this project is
showing the financial position of business, It helps to financial
institution to understand how much fund required & it’s various
application of that fund.
With the help of this statement it is clear that there is growth in
business, increase in profit year by year and so smooth repayment
of loan is possible.
Implementation of this project provides employment and also
provides better services, facilities to society.
By analyzing and observing all the information, which is taken in
to consideration bank must accept and sanction loan proposal of
company.
Profitability of business is increasing every year so this project is
beneficial to society ,us and financial institution.
69. 69
Document required for the loan
1) Project Report.
2) Entertainment Licenses
3) Lease Agreement of the shop of minimum five years.
4) Police Department Authorization Letter
5) Identity Prof of the owner
6) Residence Prof of the owner
7) Details of the account held in the band approached.