RESEARCH MEHTODOLY

Introduction to Credit AppraisalCredit appraisal means an investigation/assessment done by the bank prior before providing any loans and advances/project finance and also check the commercial, financial & technical viability of the project proposed its funding pattern & further checks the primary & collateral securities cover available for recovery of such funds. Problems Statement. To study the Credit Appraisal System in SME sector, at State Bank of India (SBI), Lucknow Objectives: -To study the Credit Appraisal Methods. -To understand the commercial, financial & technical viability of the project proposed & its funding pattern. -To understand the primary & collateral securities cover available for recovery of such funds. Reseach Design: Analytical in nature Data Collection: Primary Data: Informal Interviews with Branch Manager and other staff member s at SBI bank. E-circulars of SBI.