A

PROJECT REPORT
ON TO STUDY CREDIT APPRAISAL IN HOME LOAN FINANCE

AT

SHARANPUR ROAD, NASHIK-422002

SUBMITTED TO
UNIVERSITY OF PUNE IN PARTIAL FULFILLMENT OF MASTER OF BUSINESS ADMINISTRATION

SUBMITETED BY MISS. SONALI B. JADHAV MBA (II) FINANCE UNDER GUIDANCE OF PROF. D.D. WALKE YEAR 2008-09
NDMVPS INSTITUTE OF MANAGEMENT, RESEARCH AND TECHNOLOGY, GANGAPUR ROAD, NASHIK 422002

Acknowledgement.
I sincerely thank HDFC Bank for giving me this opportunity to learn. I Acknowledge my profound sense of gratitude & sincere thanks to the management of HDFC Bank for offering me this project &summer training in their prestigious organization. I would like to thank Mr. Amol Vispute (cluster sales manager) who has given their valuable time throughout my project work. They providing all the relevant information along with the valuable suggestions & recommendations when and where required. I extend my special thanks to Financial Planners for their guidance kind cooperation &timely advices without which this project would not have been completed successfully. I take immense pleasure to thank Mr.Nitin Tambe. As gratitude and thanks to my college & professors I take this opportunity to sincerely thank our director D.D.Walke & my project guide for his guidance & support. I am thankful to Prof. D.T.Khairnar, S.R.Pachorkar, G.M.Ahire, D.R.Deore who always found time for me in their busy schedule. They are pillar of support & mentor for enriching my knowledge horizon. It gives me pleasure to express my gratitude to my colleagues & others who have directly or indirectly contributed their time & talent in completing this project.

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Declaration.

I Sonali bhaskarrao Jadhav student of MBA student of in the IMR&T solemnly declare that the project titled To study Credit Appraisal in home loan finance. Carried out by me in partial fulfillment of the MBA program under the University of Pune. This project was undertaken as part of academic curriculum as per University rules & norms &by no commercial interest or motive. It is my original work & not submitted elsewhere for any other purpose earlier.

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Index

Chapter No. 1

Chapter Name INTRODUCTION 1.1 Object of the project 1.2 Selection of the topic for study 1.3 Objectives of the study 1.4 Research methodology 1.5 Scope of the study 1.6 Limitations of the study 1.7 Utility of the study PROFILE OF THE ORGANIZATION 2.1 Background and History 2.2 Business Focus & Organization Chart 2.3 Products Range

Page No.

1 2 3 4 6 7 8 9 10 14

ANALYSIS & INTERPRETATION OF INFORMATION / DATA 3.1 Topic under study 16 3.2 Presentation & Interpretation 26 3.3 Findings 67 CONCLUSION RECOMMENDATION & SUGGESTIONS APPENDICES 6.1 Case Studies 6.2 Bibliography 79 80

4 5 6

INTRODUCTION

PROFILE OF THE ORGANIZATION

ANALYSIS & INTEPRETATION OF INFORMATION/ DATA

CONCLUSION

RECOMMENDATION & SUGGESTIONS

APPENDICES