CREDIT APPRAISAL AND

RISK MANAGEMENT OF
AUTO-LOANS IN
MUTHOOT CAPITAL
SERVICE LIMITED
GUIDED BY :JISSY MA'AM

PRESENTED BY :NISHI SAXENA

RAJAGIRI COLLEGE OF MANAGEMENT AND APPLIED SCIENCES

AGENDA
COMPANY PROFILE
OBJECTIVES
CREDIT APPRAISAL
PROCESS OF CREDIT APPRAISAL IN MCSL
RISK MANAGEMENT
METHODOLOGY
DATA COLLECTION
LIMITATIONS

MUTHOOT
PAPPACHAN
GROUP

MUTHOOT
FINCORP

MUTHOOT
CAPITAL
SERVICES LTD

MUTHOOT
HOUSING
FINANCE
COMPANY LTD

OTHER
SERVICES

MUTHOOT CAPITAL SERVICES

LTD

OBJECTIVE OF STUDY
GENERAL OBJECTIVE
STUDY ON CREDIT APPRAISAL AND
RISK MANAGEMENT OF AUTO LOANS IN
MCSL

 SPECIFIC OBJECTIVE

To understand the process by which MSCL

appraises the creditworthiness of the prospective
borrowers
Classifications of credits in MCSL.

To understand the basis of credit risk rating and

its significance.

To assess the performance of branch and the

expected demand of credit facilities in the near
future

CREDIT APPRAISAL

PROCESS OF CREDIT APPRAISAL

RISK MANAGEMENT

RISK MANAGEMENT AT MCSL

METHODOLOGY
STUDY

Study of Credit
credit
Risk Rating Study of the policies
procedure
involved
inCredit
Appraisal

DATA
COLLECTION

PRIMARY

Meetings and discussion with

the Chief Manager and the
Senior Manager of both Credit
and Credit Risk Management

SECONDARY

Credit Policy and

Internal Circulars
Research papers
published datas

LIMITATIONS
LIMITATIONS