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It will facilitate the firm to obtain working capital loan form bank with out delay and provide all information and documents needed to the bank.
To study working capital assessment in bank of India To analyze the ratio which are supporting for working capital management
PROCUDURE OF GRANTING BAK LOAN:1. Receipt of application form. 2. Analysis of Balance sheet. 3. Credit rating calculation. 4. Proposal process. 5. Inspection of assets. 6. Inspection of activities. 7. Sanctions of working capital Loan.
CHECK LIST OF DOCUMENT:1. 2. 3. Application in prescribed formal Bio-data of promoter/s and guarantors Statement of Assets and liabilities certified by a charted accountant for fast 3 years. 4. Copies of memorandum of association and articles of association for limited companies. 5. Audited balance sheet and profit and loss account of the proponent concern for past 3 years. 6. 7. 8. 9. Details is of Technical/ mercurial personnel. List of shareholders holiday 5% or more in equity. Note on companys tax payment status. Detail of fixed assets. Information if they are revalued.
10.
Particular of credit facilities including foreign currency loan / other banking facilities enjoyed by the proponent along with particular of Banks/ Financial institutions.
11. 12.
Project feasibility resort. Copies of clearance from government / local bodies as many be relevant to be type of proponent
13. 14.
NOC from pollution control authorities. Details of collaborators, copy of collaboration agreement for collaboration.
Copy of sales / lease deed for land. Copy of document decreeing the land as industrial land. Location map.
LIMITATION:Following are the limitations of this study 1. No accurate information provided by Bank of India. 2. It is study based project no primary data is attached. 3. No cooperation obtains from other bank officers and Clerks. 4. Names of the companies of which the bank provided b/s could not be disclosed because of maintaining secrecy. 5. Could not get in touch with the company people.
CHAPTERISATION:Chapter 1. INTRODUCTION Chapter 2. HISTORY OF BANK OF INDIA Chapter 3. OBJECTIVES OF THE STUDY Chapter 4. PROCUDURE OF GRANTING BANK LOAN Chapter 5. CREDIT APPRAISAL
LIMITLIMIISTUDY
Chapter 6. ASSESSMENT OF WORKING CAPITAL LIMIT Chapter 7. WORKING CAPITAL DEMAND LOAN Chapter 8. CHECK LIST OF DOCUMENT Chapter 9. LIMITATION Chapter 10. CONCLUSION & SUGGESTION
Based on above study the conclusion will be drawn
By L. M. Pandey
Guided by
Place:Date:-
A SYNOPSIS
ON
Assessment of Working Capital By Bank of India
SUBMITTED TO
Rashtrasant Tukdoji Maharaj Nagpur University In Partial Fulfillment of the Requirement for the Award of the Degree of Master of Business Administrations 2011-2012
SUBMITTED BY
Rajesh J. Raut
GUIDED BY
THROUGH
DR. PANJABRAO DESHMUKH INSTITUTE OF MANAGEMENT TECHNOLOGY AND RESEARCH DHANWATE NATIONAL COLLEGE NAGPUR