Delhi Bank of India

Dilemma of a New Bank

Manager
Proff. Sandeep
Puri
CRM

Submission-1
Anshuk Garg | Himanshu Mendiratta | Md Hashir Reyaz | Sahil Goyal| SiddharthVohra
|Avijit |Pankaj Tater |
Saloni Chaudhary

Application 1:
Anoop, Handicapped
Loan: Computer and Photostat
shop
Loan expectation: `15 lakh,
repayment from
next month
Expected revenue: `40-50,000/Application 2:
Shraddha
Loan: Education Loan (Tier-1)
Loan expectation: `15 lakh, repayment
deferred
by 6 months
Avg Package: `14.94 lakh

Application 4:
Shreya, War widow, social
worker
Loan: Vocational Training School
Loan expectation: `30 lakh,
repayment
deferred by 6 months
Expected revenue:
Application
`7500/course,5:300
Jatin Banani
Loan: Business Expansion, buy shop
Loan expectation: `75 lakh, repayme
from
next month
Avg. turnover: `50 lakh

Application 3:
Murli
Loan: BPO; past experience in BPO as
PM
Loan expectation: `75 lakh,
repayment deferred
by 2 months

Application 6:
Janvi, course with VLCC
Loan: Beauty parlor
Loan expectation: `15 lakh

Loan Siddhant must give to each of

the applicant

Application 1:
Anoop, Handicapped, Computer and Photostat shop
Loan expectation: `15 lakh, repayment from next month
Loan to be sanctioned: ` 8 lakh
National Handicapped Finance and Development Corporation (Ministry
of Social Justice
and Empowerment) supports max. financial assistance of 5 lakh for
service
sector2:activity
Application
Shraddha
Loan: Education Loan (Tier-1)
Loan expectation: `15 lakh, repayment deferred by 6 months
Loan sanctioned: `15 lakh
Application 3:
Murli
Loan: BPO; past experience in BPO as PM
Loan expectation: `75 lakh, repayment deferred by 2 months
Loan sanctioned: `55 lakh
Bank rules offer loan of max. 70% of collateral(`90 lakh)

Application 4:
Shreya, War widow, social worker
Loan: Vocational Training School
Loan expectation: `30 lakh, repayment deferred by 6 months
Loan sanctioned: `20 lakh
She is already expecting the sponsorships from corporates, govt.
provides additional `10
lakh loan to war widows
Application 5:
Jatin Banani
Loan: Business Expansion, buy shop
Loan expectation: `75 lakh, repayment from next month
Loan sanctioned: `35 lakh
Normally 70% of the turnover is taken but here the previous
relations and expected
growth in retail sector can trigger for this amount
Application 6:
Janvi, course with VLCC
Loan: Beauty parlor
Loan expectation: `15 lakh
Loan sanctioned: `10 lakh
Female entrepreneurs are promoted by banks via providing a loan of
10 lakh without

If its compulsory to consider all

applications
There is a need to consider each of the applications
Most of the repayments would be starting the very quarter
Combination of loans must be maintained in the portfolio
The applications are quite genuine to consider
The level of risk is low; comparatively higher risk in case of Anoop,
Shreya, Murli due to high expected revenues
The women entrepreneurship promotion would add graces to bank
Jatin Banani has been quite trustworthy and old customer
The amount still doesnt exceed 1.5 cr. It comes to 1.43 cr

Note: The amount sanctioned has taken the consideration that their CIBIL
scores are good and dont have any other mortgage on their name.