PREFACE

The amount of credit available to a company or individual from the banking system. It is the aggregate of the amount of funds financial institutions are willing to provide to an individual or organization. A company or individual's bank credit depends on both the borrower's capacity to repay and the overall amount of credit available in the banking system. Bank credit for individuals expanded enormously over the past 50 years, as consumers grew accustomed to having several credit cards. Some observers were predicting that the financial crisis in 2008 could mean a return to those earlier years, when credit, although relatively cheap, was difficult to obtain, especially for those with poor credit histories. Credit is a contractual Agreement, in which a borrower receives something of value now, with the agreement to repay the lender at some date in the future. One of the basic functions of the bank is to deposit extraction and credit extension. And managing credit operations is the crying need for any bank. The objective of the Credit system is to maximize the performing asset and the minimization of the non-performing asset as well as ensuring the optimal point of loans and advances and their efficient management.

ACKNOWLEDGEMENT
I express my sincere thanks to my project guide, BHUWAN GUPTA, for guiding me right from the inception till the successful completion of the project. I sincerely acknowledge him/her/them for extending their valuable guidance, support for literature, critical reviews of project and the report and above all the moral support he/she/they had provided to me with all stages of this project. I would also like to thank the supporting staff Management Department, for their help and cooperation throughout our project. My humble thanks are due to Mr. Deepak Khatri for guiding me during the two months training as my training mentor. I would also like to thank all the Executives, distributors & staff of Alwar area who provided us all the relevant information and their kind support, on the basis of which this report has been prepared. Lastly I would like to pay our special regards to my parents for their encouragement and full support for completion of this project work.

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DECLARATION

I Aabid Khan student of BBA of AMS Alwar. Here by declare that all the information of welfare Activities in SBI in this report is based on my experience and study during my research. I further declare that all the information and facts furnished in this project report are based on my intensive research and findings. They are first hand and original in nature.

DATE: Aabid Khan BBA IVth Sem.

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EXECUTIVE SUMMARY
Analysis of the credit worthiness of the borrowers is known as Credit System. In ordertounderstand the credit system system followed by the banks this project h as beenconducted. The project has analyzed the credit system procedure with special reference which includes knowing about the different credit facilities provided by the banks to its customers, how a loan proposal is being made, what are the formalities that is to be satisfied and most importantly knowing about the various credit system techniques which are different for each type of credit facility. Before going further it is necessary to understand the need and basic framework of the project. Therefore this chapter provides an introduction to the topic, objective of the project, reasons for selecting the project and the basic structure and framework how the project proceeds.

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TABLE OF CONTENTS
Srl No TOPIC PAGE NO

PREFACE ACKNOWLEDGEMENT DECLARATION EXECUTIVE SUMMARY 1. 2. Introduction to the industry Introduction to the organization

I II iii iv 1-10 11-22 23-44 45-50

3. Introduction to the topic 4. Research Methodology Title of the study Objective of the study Type of research Sample size & method of selecting sample Scope of study Limitation of study 4. 5. 6. 7. 8. 9. Analysis and Interpretation Facts & findings SWOT Analysis Conclusion Recommendations and suggestions Appendix

51-61 62 63-64 65 66-67 68-70 71

10. Bibliography

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