N. Unni Krishnan has over 15 years of experience in banking and finance. He is currently working as the Regional Credit Head at Dhanlaxmi Bank Ltd, where he has been for the past 5 years. Prior to this, he worked at ICICI Bank Ltd as a Credit Manager for 3.5 years and held credit-related roles at LIC Housing Finance Ltd and L&T Transportation Infrastructure Ltd. He has a BCom, PG Diploma in Financial Management, MBA, and JAIIB qualification.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
This presentation is collectively made by Km. Priyanka Rawat and Shubham Chugh, as a case analysis of Syndicate Bank covering period from financial year 2009 to 2019, describing its detailed analysis , objectives based on the presentation, Modus-operandi, their loan disbursement sector vise, Gross and Net NPAs of Syndicate Bank, loopholes with syndicate bank and various ways to overcome the NPAs.
project report on ADVERTISEMENT AND PROMOTION IN SERVICE ORHANISATIONS(J&K ba...shahidyas
A complete project on ADVERTISEMENT AND PROMOTION IN SERVICE ORGANISATION( reference to J&k bank) for the requirement of degree MBA
SHAHID QADIR
EMAIL ME FOR VARIOUS PROJECTS FOR BBA AND MBA
id :-shahidqadir999@gmail.com
whats app:_8825074322
feel free to contact.
Commodity Tips: Commodity recommendation from Excellent advisory helps to gain handsome profits... Here are the concise attributes of our Commodity Tips, NCDEX Tips and this package.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
This presentation is collectively made by Km. Priyanka Rawat and Shubham Chugh, as a case analysis of Syndicate Bank covering period from financial year 2009 to 2019, describing its detailed analysis , objectives based on the presentation, Modus-operandi, their loan disbursement sector vise, Gross and Net NPAs of Syndicate Bank, loopholes with syndicate bank and various ways to overcome the NPAs.
project report on ADVERTISEMENT AND PROMOTION IN SERVICE ORHANISATIONS(J&K ba...shahidyas
A complete project on ADVERTISEMENT AND PROMOTION IN SERVICE ORGANISATION( reference to J&k bank) for the requirement of degree MBA
SHAHID QADIR
EMAIL ME FOR VARIOUS PROJECTS FOR BBA AND MBA
id :-shahidqadir999@gmail.com
whats app:_8825074322
feel free to contact.
Commodity Tips: Commodity recommendation from Excellent advisory helps to gain handsome profits... Here are the concise attributes of our Commodity Tips, NCDEX Tips and this package.
Ponencia que analiza los documentos de fondo antiguo que tienen como encabezamiento de materia animales en la Biblioteca Nacional de España dentro de las XIV Jornadas de Trabajo de la Asociación Española de Bibliografía.
Open Garden Césped Artificial es una empresa especializada en el suministro de las mejores variedades de césped artificial y sus complementos a Mayoristas de Jardinería, Instaladores de césped artificial, Garden Centers y Constructores de toda España.
Accesibilidad y protección del patrimonio.José María
La accesibilidad universal es condición sine quanom para que las personas con discapacidad puedan participar plenamente en la vida social y comunitaria.
The PowerPoint presentation on general banking and finance provides a comprehensive overview of the fundamental concepts and key aspects within the banking and finance industry. The presentation aims to equip the audience with a broad understanding of the roles and functions of banks and financial institutions, the importance of financial systems in driving economic growth, and the various financial products and services offered to individuals and businesses. It delves into topics such as deposit and lending activities, investment management, risk assessment and mitigation, and regulatory frameworks governing the industry. The presentation serves as an essential resource for anyone seeking a solid foundation in the field of banking and finance.
1. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Professional Objective :
A Challenging assignment with scope to utilize knowledge, skills and experience gained in the areas
of Business analyzing, client Servicing & Credit Appraisal.
Consolidated Experience :
Organization : Dhanlaxmi Bank Ltd
Designation : Regional Credit Head (Senior Manager – Credit)
Tenure : 5 years 1 month (Since May 2010- till date).
Organization : ICICI Bank Ltd
Designation : Credit Manager – ROTN & Kerala
Tenure : 3 year 6 months From Nov 2006 to May 2010
Organization : LIC Housing Finance Ltd
Designation : Credit officer
Tenure : 3 years 10 months (From Jan 2003 to Nov 2006)
Organization : L&T Transportation Infrastructure Ltd
Designation : Accounts / Admin Supervisor
Tenure : 3 years 3 months (From October 1999 to January 2003)
Detailed work experience :
1. Organisation Profile : Dhanlaxmi Bank Ltd. was incorporated in 1927 at Thrissur, Kerala by
a group of ambitious and enterprising entrepreneurs. Over the 87 years that followed, Dhanlaxmi
Bank with its rich heritage has earned the trust and goodwill of clients. With more than 286 branches
and 670 touch points across India at its customer service; Bank’s focus has always been on
customizing services and personalizing relations.
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
2. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Profile : I have joined in Dhanlaxmi Bank as Senior Manager (Credit sanction department) at Coimbatore
on May 2010 and subsequently promoted as Chief Manager during April 2013. During my initial tenure at
credit sanction department, I was handling the credit / loan proposals of coimbatore, Erode, Salem,
Udumalpet and Pollachi branches. During Sep 2011, I have been functionally promoted as Regional Credit
Head for Rest of Tamilnadu Branches with the approving power upto Rs.1 Cr. Now I have been assigned
for managing and appraising the corporate / board proposals of Rest of Tamilnadu branches with additional
responsibility of Chennai region. Now I am part of Regional credit committee, having approving power upto
Rs.3 Crs. Now, I am handling,
• Fund based Working capital products like., Cash Credit (CC) , Over Draft (OD), Pre shipment (PC)
and post shipment credits etc., and Non fund based products like Letter of Credit (LC), Bank
Guarantee (BG), Buyers credit, FC etc., for corporate and SME clients.
• Term loans, project loans, Home loans, Car loan, Commerical Vehicle loans, Mortgage loans, etc.,
for retail clients.
My role involves the following activities:
1. Approving authority upto Rs. 3 cr under fund based limit and non fund based limits.
2. Recommending the proposals to Board / corporate committee with proper credit and Risk
Appraisal.
3. Clint Visits / Industry visits for high volume proposal.
4. Periodical Trainings to BMs and Credit officers.
5. Post disbursement activities like credit Monitoring and Recovery.
2. Organisation Profile : ICICI Bank is India's largest private sector bank with total assets of Rs.
6,461.29 billion (US$ 103 billion) at March 31, 2015 and profit after tax Rs. 111.75 billion (US$ 1,788 million)
for the year ended March 31, 2015. ICICI Bank currently has a network of 4,050 Branches and 12,642
ATM's across India.
Profile: I have joined ICICI Bank as Asst Manager –II (Credit sanction department) at Coimbatore on Nov
2006 and was handled Agri SME advances of Coimbatore, erode, salem and Kerala. I was handling,
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
3. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
• Working capital products like., Cash Credit (CC) , Over Draft (OD), Commodity based financing,
Priority sector funding, etc.,
• Term loans, project loans, Mortgage loans, etc.
My role involves the following activities:
Recommendations for Sanctions (Credit Appraisal and Risk Analysis) and disbursements of
fund based and non fund based products for Agri SME sector
Approving authority for warehouse funding upto Rs.2 Mn.
Documentations.
Clint Visits / factory visits.
Monitoring and Facility Renewals.
Trainings to Credit Processing Assistants, Sales and other channel partners.
3. Organization profile: LIC Housing Finance Ltd. is one of the largest Housing Finance
company in India. Incorporated on 19th June 1989 under the Companies Act, 1956, the company was
promoted by LIC of India and went public in the year 1994. The GDR's are listed on the Luxembourg
Stock Exchange.
The Company possesses one of the industry's most extensive marketing network in India: Registered
and Corporate Office at Mumbai, 7 Regional Offices, 16 Back Offices and 209 marketing units across
India. In addition the company has appointed over 10478 Intermediaries to extend its marketing
reach. 16 Back Offices spread across the country conduct the credit appraisal and administrative
functions.
Profile : I have joined LIC HFL as Junior Executive Assistant (Credit) at Mysore on Jan 2003 and has been
transferred to back office / regional office at bangalore for credit processing during 2004. I was handling all
type of retail loans like, Home loans, Mortgage loans, Builder finance, Project finance and loan against
policies. My roles in the various levels involves the following activities.
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
4. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Credit Appraisal for individuals / builders / corporate for project finance.
Office inspection and customer visit / interview.
Scrutinizing KYC, Legal, valuation and income documents.
Recommendations for sanction.
Scrutiny of original property documents.
Documentations and mortgage of properties.
Disbursement
Appointing HLAs/ DSA/ CRA
Builder and Project Finance Marketing & Appraisal and recommendations.
Advance Processing Facility (APF)
Document Verification, Office Inspection & coordinating with Builders & Developers.
4. Organisation profile: L&T Transportation Infrastructure Limited (L&T TIL) is a wholly-
owned subsidiary of the L&T Group. The company commissioned first road privatisation scheme that
was implemented in South India on BOT basis. I have started my carrier in this company from Oct
1999. I was designated as Accounts/Administrative Supervisor. My role involves.,
Maintining books of accounts
Assisting Finance Manager for accounts finalization.
Toll plaza Management.
M I S and Audit Co-ordination.
Inventory control and Analysis.
Handling Legal Aspects.
Customer care
Education Academic :
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
5. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
B.Com – I Class, Government Arts College, Coimbatore.
PG Diploma in Financial Management – II Class, Annamalai University.
MBA – ‘B’ Grade, (74%) IGNOU.
JAIIB from Indian Institute of Banking and Finance.
Tech. Qualification:
HNC from NIIT
PGDCA from Datamatics.
Other details
Current CTC : 10 lakhs
Notice Period : 3 Months
Computer Knowledge : Proficiency in MS Office 97- MS Excel, MS Word, MS Power
point, MS Access, Accounting Package – Any Menu driven package.
Languages Known : English, Tamil, Kannada, Malayalam and Hindi
Date of Birth : 05.07.1976
Father’s Name : P. Narayanan
Passport No. : H4817743
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
6. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Marital Status : Married
N. UNNI KRISHNAN
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.
7. N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Marital Status : Married
N. UNNI KRISHNAN
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.