A

PROJECT REPORT

ON

“Loan Appraisal Mechanism & NPA Analysis”

AT

BANK OF BARODA,

(Gangapur Road Branch)

SUBMITTED TO

UNIVERSITY OF PUNE

IN PARTIAL FULFILLMENT OF

MASTER OF BUSINESS ADMINISTRATION

SUBMITETED BY

MR. GAUTAM P. KAMBLE

MBA (II) FINANCE

UNDER GUIDANCE OF

PROF. D.D WALKE

YEAR 2008-09

NDMVP’S INSTITUTE OF MANAGEMENT, RESEARCH AND TECHNOLOGY,

GANGAPUR ROAD, NASHIK – 422002

ACKNOWLEDGEMENT

I am thankful to Director Walke Sir. The Director of I.M.R.T., College and

Head of Department of Finance who had given me an opportunity to do this

project.

I wish to express my deep sense of gratitude to Prof. Walke sir for his

excellence guidance’s during his period of this project work were invaluable.

I am extremely grateful to Mr. Subhash Bhujbal (Sr. Branch Manager) of

Bank of Baroda. He has given the inspiration and valuable guidance. Last but not

least, I am thankful to library department of our college for making available books

and also to those who have directly and indirectly help in preparation of this

project report.

Date: /09/2008 Gautam P. Kamble

Place: I.M.R.T., Nashik. MBA (FINANCE)

DECLARATION

I am Gautam Pralhad Kamble the student of Institute of management

Research and Technology, Nashik. The course of MBA of Pune University

consists of four semesters. Every student has to under go a project during his

academic curriculum of university. The project is compulsory for every student.

I have by declared that the project is and independent analysis work carried

out by me under the guidance of Director and Prof. Walke sir. This report has not

been previously submitted for an award of any degree of this of any other

university.

Thanking You.

Name: Gautam Kamble

Date: /09/2008

Place: Nashik

INDEX

CHAPTER NO. CONTENTS PAGE NO.

CHAPTER: 1INTRODUCTION1.1 Introduction 11.2 Objective of the Project 31.3 Selection of the Topic 41.4 Objective of the study 51.5 Research Methodology 61.6 Limitation of the Project 9

CHAPTER:2BANK PROFILE2.1 Background and History 102.2 Organization Chart 132.3 Product Range 14

CHAPTER:3DATA ANALYSIS & INTERPRETATION3.1 Loan Policy of the Bank 153.2 Credit Appraisal 263.3 Monitoring & Follow-up 363.4 NPA 393.5 Graphical Presentation 44

CHAPTER:4CONCLUSION 62

CHAPTER:5RECOMMENDATIONS & SUGGESTIONS 64

APPENDICESGLOSAARY 66BIBLIOGRAPHY 67

CHAPTER-1

CHAPTER-2

CHAPTER-3

CHAPTER-4

CHAPTER-5