TITLE

FINANCIAL ANALYSIS OF BIHAR STATE FINANCIAL CORPORATIONS

RATIONALE BEHIND THE STUDY

BSFC will be restructured and strengthened to meet the growing financial and mercantile needs of entrepreneurs. Although the Government has nominated representatives of Associations of industrial enterprises and Chambers of Commerce in the Board of this Institution a need has been felt to further strengthen the Board with induction of greater number of competent professionals and representative of Chambers and Industries with proven track record. Specific criteria will be laid down for choosing professionals. Representatives of Financial Institutions will also be inducted in the Board of BSFC. BSFC will also provide services such as financial leasing, loan syndication, consultancy, Merchant Banking, entrepreneurial skill development and support for technology upgradation to the industries in the State. The corporation would also be encouraged to establish a Venture Capital Fund for the entrepreneurs in the state.

OBJECTIVES OF THE STUDY

The objectives of the study will be as follows: 1. To study the present financial system at B.S.F.C. 2. To determine the Profitability, Liquidity Ratios. 3. To analyze the capital structure of the B.S.F.C with the help of ratio analysis. 4. To offer appropriate suggestions for the better performance of the organization

HYPOTHESISES OF THE STUDY:

Hypothesis Behind the study shall be follows The financial health of Bihar State Financial Corporation(B.S.F.C) is not up to the marks.

RESEARCH METHODOLOGY ADOPTED

The Research Methodology to be adopted the project purposive where information collected & utilized to study the financial a) b) c) strategy adopted by B.S.F.C. The Research Methodology to be adopted shall include following steps. Sampling. Data collection. Analysis & conclusion of data.

1. Data Collection: The most important constraint in this study was data collection as Primary Data shall be collected for study. Primary data means those data which shall be collected through questionnaire and interviews. 2. Time Period: Time period shall be the other limiting factors shall have as only one month to be allotted and the topic covered in research shall have a wide scope. So, it will not possible to cover it in a short span of time.

LIMITATIONS OF THE STUDY

Limitations are the limiting lines that restrict the work in some way or other. In this research study also there shall be some limiting factors; some of them are as under:

CHAPTERISATION: The present project report shall be tentatively split up into the following chapters. CHAPTER I

INTRODUCTION OF STATE FINANCIAL CORPORATION(S.F.C)

INTODUCTION OF S.F.C PURPOSE OF S.F.C. BRANCHES OF S.F.C.

CHAPTER

II

BIHAR STATE FINANCIAL CORPORATION(B.S.F.C)

ESTABLISHMENT OF B.S.F.C. OBJECTIVES OF B.S.F.C. ROLE OF B.S.F.C. SCOPE AND AREA OF FINANCING STATUS OF THE UNITS AS ON 31/3/2008 STATUS OF UNITS RUNNING/CLOSED AS ON 31/3/2005 FINANCIAL HEALTH OF B.S.F.C.

CHAPTER

III - MANAGEMENT OF B.S.F.C.

BOARD OF DIRECTORS ORGANIZATIONAL CHART STRUCTURE AND ADMINISTRATION

CHAPTER

IV

RESOURCES OF FUND OF B.S.F.C.

SHARE CAPITAL BOND REFINANCE BORROWING ADHOC BORROWING

CHAPTER CHAPTER

VVI -

RESEARCH METHODOLOGY DATA ANALYSIS AND COMPARATIVE

STUDY CHAPTER VIICONCLUSION AND SUGGESTIONS

BIBLIOGRAPHY