This document is a project report submitted by Bhoopendra Kumar Verma for their B.Sc Ag.(Hons.) & MBA in Agri Business. The report examines the role of financial ratios in IDBI Bank's disbursement of loans to companies. It includes an introduction to financial systems, loans, development banks, financial ratios, findings from analyzing IDBI Bank's lending practices, and conclusions. The report provides a comprehensive overview of relevant topics to understand how IDBI Bank uses financial ratios in its lending decisions.

1. THE ROLE OF FINANCIAL RATIO ON DISBURSMENT OF
LOAN TO COMPANIES IDBI-BANK
BHOOPENDRA KUMAR VERMA
PROJECT REPORT
B.Sc Ag.(Hons.)&MBA in (Agri Business)
MJRP COLLEGE OF AGRICULTURE & RESEARCH
MJRP UNIVERSITY
JAIPUR

2. THE ROLE OF FINANCIAL RATIO ON DISBURSMENT OF
LOAN TO COMPANIES IDBI-BANK
PROJECT REPORT
Submitted to the
MJRP College Of Agriculture & Research ,MJRP University,
Jaipur in partial fulfillment of the requirement for the degree of
B.Sc Ag.(Hons.)&Master of Business Administration
(Agri Business)
By
Bhoopendra Kumar Verma

3. CERTIFICATE
This is to certify that the project report entitled “Role Of Financial Ratio On Disbursment Of
Loan To Companies , A Case Study Of Industrial Development Bank Of India.” done by
Bhoopendra Kumar Verma and submitted in partial fulfillment of the requirement of MBA
program of MJRP University , Jaipur.
Mr. Deepak Vijay
Director, Department of Agri Business Management,
MJRP University,Jaipur

4. DECLARATION
I hereby declare that this report on “Role Of Financial Ratio On Disbursment Of Loan To
Companies , A Case Study Of Industrial Development Bank Of India.” has been written and
prepared by me during the academic year 2009-2014.This project was done under the able
guidance and supervision of Mr. Deepak Vijay, Director, Department of Agri Business
Management MJRP University,Jaipur in partial fulfillment of the requirement for the Master of
Business Administration Degree course of the MJRP University.
I also declare that this project is the result of my own effort and has not been submitted to any
other institution for the award of any Degree or Diploma.
Place: Bhoopendra Kumar Verma
Date: MJRP University

5. ACKNOWLEDGEMENT
The present investigation is a synthesized effort of various sources.Words can hardly express my
feeling of indebtness to all those who extended cooperation in completing this project work
successfully.
Firstly, I express my sincere gratitude to “Almighty” who helped me in this great endeavour by
making so many great minds to guide me and so many loving hearts to enlighten my path and it
is only by the blessing of that almighty lord and the creator of world ,who bestowed upon me the
zeal and strength, that i was able to complete this arduous task.
I feel short of words to express my heartfelt gratitude and thanks from bottom of my heart to my
beloved parents, Mr.Rameshwar Prasad Verma and Mrs. Poonam Devi Verma, sister Mrs. Vinita
Verma and brother-in-law Mr. Prahlad Bairwa and elder brother Mr.Virendra Verma and sister-
in-law Mrs. Hemlata Verma and younger brother Mr. Jitendra for their consistent support
without which it was impossible to complete this journey.
With profound sense of gratitude, I acknowledge my thanks to the Advisor Mr. Deepak Vijay,
Director, Department of Agri Business Management, MJRP University,Jaipur for their valuable
suggestions and proficient advocacy.
I also thanks to all faculty members of MJRP College Of Agriculture & Research, MJRP
University, Jaipur (Rajasthan).
I deem it an honour to offer my thanks and profound gratitude to all people who have directly
and indirectly put their effort in complection of the project.
Last but not the least ,I would like to convey my heartfelt thanks and indebtedness to all my
batch mates , and friends , specially Mr. Hemant Meena, seniors and juniors for their utmost
cooperation and immense help during the entire project work.
They really encouraged me and gave power to overcome all hurdles which I faced.
Date : (Bhoopendra Kumar Verma )
Place : Jaipur

6. CONTENTS
S.No. Title Page No.
- Summary -
- Introduction of Project 1
- Research Objective 2
- Methodology 3
- Review of Literature 4
- Limitations of the Study 5
1.
Introduction of financial system 6-15
2. Introduction of Loan 16-20
3. Introduction of Development Bank 21-29
4. Financial Ratios 30-35
5. Findings and Analysis 36-40
6. Suggestion and Conclusion 41-42
7. Bibliography 43

7. SUMMARY
This project has been a great learning experience for me; at the same time it gave me enough
scope to implement my analytical ability.
The first part gives an insight about the financial institutions, its function, different types of loan
and theirs various aspects. One can have a brief knowledge about financial ratio and all its basics
through this project. Other than that the real servings come when one moves ahead.
The financial services sector and capital markets have a significant influence on how economies
develop, principally through their role in allocating financial capital between different economic
activities, as well as through their own operations, not only do banks manage their own financial
and sustainability performance, they are in a position to influence Socio-economic and
environmental performance in client organizations and through their lending strategies. In this
report, we examine whether and how IDBI bank manages this.
All the topics have been covered in a very systematic way. The language has been kept simple so
that even a layman could understand. All the data have been well analyzed with the help of
charts and graphs.