Академический Документы
Профессиональный Документы
Культура Документы
ON
SUBMITTED BY
P. LAKSHMI PRASANNA
ENROL.NO. 7NBGU032
INTRODUCTION:
• The money which is required for day to day activities of a Business is called as working
capital. The formula for working capital is current assets – current liabilities.
• Working capital measures how much in liquid assets a company has available to build its
business. In general, companies that have a lot of working capital will be more successful
since they can expand and improve their operations.
• Working capital management involves not only managing the different components of current
assets, but also managing the current liabilities.
• The basic objective of working capital is to provide adequate support for the smooth
functioning of the normal business operations of a company.
OBJECTIVES:
• To know what are the problems facing by a banker while processing loan.
• To know the rules and regulations formed by the bank towards financing the current assets.
• To know how the bank people will estimate the credit worthiness of the customers.
QUESTIONNAIRE:
6. What are the steps do you take when customers are failed to repay the loan
(a) refer to collection department (b) issue of legal notice
(c) approach to customers (d) inform to guarantees
DATA ANALYSIS:
• Money in Business
• Collateral
• Sales
• Repayment period
Factors
MIB
35% collateral
30%
sales
Repayment
20%
period
15%
The services offered by HDFC Bank for sanction the loan
• Fast sanction
• Low interest rates
• Easy process
• After sales service
ChartTitle
40
30
20
10
0
Fast sanction low interest easyprocess after sales
rate service
• Financial follow up
• Physical follow up
• Legal follow up
creditmonitoring
Legal
followup 0%
Physical 5%
5%
Financial
90%
The time taken by the Bank when sanction the loan is
• 7 working days
• 1 month
• 2 months
FINDINGS:
• After sanctioning the loan they provide better services to their customers.
• The bank people following procedure are very difficult but it makes the banker to get the right
person for the loan.
• HDFC Bank customers are very much aware about working capital loans.
SUGGESTIONS:
• Instead of talking of working capital the bank should provide loan within 2 working days.
Because the entrepreneurs may need working capital for emergency purpose.
• The bank should create knowledge through seminars, workshops to the business man.
• The bank should treat each and every business people on equal basis.
• The HDFC following different Prime Lending Rates, it should fix to a certain rate of interest.
CONCLUSION: