G H Raisoni School of Business Management, Nagpur.

PRESENTATION ON

Summer Internship Program (SIP)

Company :- AXIS BANK LTD.

Title :- “A Study on Credit Processing of Working Capital loans at SBB (Small

Business Banking) Department of Axis Bank Ltd. Nagpur”

Presented By :- Jayant Nandgaokar

Guided By :- CS Nikita Jain

MBA- 3rd Semester

Batch : 2021-23
 ABOUT THE COMPANY
COMPANY PROFILE
• Axis Bank is the third largest private sector bank in India. The Bank offers
the entire. Spectrum of financial services to customer segment covering
Large and Mid-Corporates, MSME, Agriculture and Retail Businesses.
• Axis Bank offers Corporate Loans to businesses and corporates in the form
of working capital, term loans and structured finance solutions. The
working capital finance solutions include cash credit, overdraft or working
capital loans, suitably structured to the needs and risk profile of
businesses.
• Axis Bank offers loans for corporates in the form of structured credit
solutions to help businesses with their short-term funds and long-term
funds requirements.
 PRODUCTS & SERVICES
• Types of Working Capital Facilities for Small Businesses
• Overdraft
a) Secured Overdraft
b) Secured Quick Overdraft
c) GST Overdraft

• Cash Credit

• Term Loan
a) Secured Term Loan
b) Secured Quick Term Loan

• Secured Merchant Loan

• Unsecured Merchant Loan

Basic Eligibility Criteria for Axis Bank Working Capital Loan

• Business Vintage: Minimum 3 years
• Business Annual Turnover: From Rs. 30 lakh to Rs. 15 crore
• Applicant shall either own a residence or office
 Performance & Market Share
PARTCULARS SEP ‘21 DEC ’21 MAR ‘22 JUN ‘22 SEP ‘22

+ Revenue 20,967 22,091 23,001 22,686 25,259

+ Expenses 16,425 16,790 17,098 16,804 17,686

EBITDA 4,542 5,301 5,903 5,883 7,573

EBIT 4,524 5,301 5,903 5,883 7,573

Profit Before Tax 4,524 5,301 5,903 5,883 7,573

Net Profit 3,388 3,957 4,418 4,381 5,612

Financial Ratios

Operating Profit Margin NA% NA% NA% NA% NA%

Net Profit Margin 16.16% 17.91% 19.21% 19.31% 22.22%

Earning Per Share (Diluted) 11.02 12.86 14.37 14.23 18.14

Dividends Per Share NA NA 1.00 NA NA

 EBIT
(AL L VAL UE S AR E I N RS . CR )

8000
7573

7000

6000 5903 5883

5301
5000
4524

4000

3000

2000

1000

0
SEP '21 DEC '21 MAR '22 JUN '22 SEP '22
 WEEKS WISE DETAILS

Week 1: After the Welcome Session and meeting with SBB Business
Loan Team, Operation CPA Satish Sir started conversation regarding
how the Operation Team works.

Week 2: Targets were set that how many new cases should be logged
in on daily and weekly basis and amount of Disbursement had been
set regardless of number of cases. Accordingly tasks were assigned.
After 12 PM, the regular work started regarding documents checking.

Week 3: I Already had knowledge about what I will do every day. I

took initiative of scrutinising documentation which includes Checking
of all financial document B/S P&L and their schedules.
 Week 4: My data entry work includes the sanction condition checks whether
they are fulfilled or not. If sanction conditions are fulfilled then the checks
shall be received if conditions were to fulfilled on later date then the checks
shall be deferred till the date given by Credit Manager

Week 5 and 6: Fifth week was all about Data Entry in system. I made data
entries of those cases which were clear with all documents. The data entry
process is already completed more than half by Credit CPAs, which includes
Details of all documents

Week 7 and 8: In last two weeks, my most of the work was physical like
arranging the files in proper sequence, inserting the disbursement kits which
were important for Operation manager for further process, making dockets
of completed files with bar codes and colour stickers for their identification
at the main disbursement department of Axis bank and courier them.
 KEY LEARNING

• Assessment of Problems and Problem solving skill.

• Relationship Management with Colleagues.
• Building Emotional Intelligence.
• Better Time Management.
• Strong Communication Skill.
• Punctuality
• Records Management
• Segregation of tasks
 FINDING & SUGGESTIONS
• Company is having good relationship with customers and they are satisfied with facilities provided to
them

• The premise is better compared to any other private sector bank.

• Work intention of the employees is good.

• The method include for employee retention are salary increments, holidays, incentives, performance
bonus, attractive encouragement schemes.

• Organization takes maximum time to select the right officers for the right job.

• Effective follow ups helps in completion of the case within time.

• Maintains clean environment.

• Welfare facilities of company are beneficial for the employer.

 WHY SIP ?

• TO ENTER IN TO CORPORATE WORLD

• TO LEARN NEW THINGS

• TO GAIN NEW KNOWLAGE

 CONCLUSION

Hence, according to this training program this project was all about observing
and finding out Credit Appraisal and Credit Management process at SBB
Department of Axis Bank Ltd. As the Mentor raised us to Communicate with
people and Interact with them. In review this internship has been an excellent
and rewarding experience. I have been able to communicate and interact
with so many people that I am sure will be able to help me with opportunities
in the future. I enjoy this line of work, but I am not sure if there is enough
room to grow through this company. This was an excellent experience
Thank You