Kmbl

Project report on

CREDIT MANAGEMENT

Of

RAJKOT NAGARIK SAHAKARI BANK LTD. - RAJKOT

Submitted to

N.R. INSTITUTE OF BUSINESS MANAGEMENT, AHMEDABAD

On

july 19, 2004

In partial fulfill ment of summer training as a part of study

In Master of Business Administration programme

By

Manoj Chorada (03016)

PREFACE

Banks are regarded as the blood of the nation’s economy without them one cannot imagine economy moving. Therefore banks should be operated very efficiently, co-operative banks although a small part of whole banking system in India, but they are very important not only from economical point of view but also from social point of view as it is more concerned about common people’s welfare and development.

Advance is heart and recovery is oxygen for the bank and for the bank to survive it is necessary to give advances and recover the amount at the appropriate time. Through credit management I have tried to cover the various aspects like credit appraisal, NPA management, recovery management, etc. E.g. credit management covers all the areas right form the beginning like inquiry till the loan has been paid up.

Though credit management, a very vast topic, I have tried to incorporate to the best of my capacity from all possible aspects in this project.

I do hope that institution will appreciate this project.

ACHNOWLEDGEMENT

“We can not determine milk of how many cows feed our body.” – Anon

I believe an ocean is filled by drops and each and every drop should count, similarly I should count favor of all my helpers here but this not possible. So forgive me for the same.

First of all I would like to thank Board of Directors.

I am thankful to manager G.C.Raol to give me permission for the summer training.

I want to express my sincere obligation to Kotak Sir, Kumarilbhai, Shileshbhai Nathwani, Hiteshbhai Rachchh, and all the staff members of RNSB, where I worked so long in a homely pleasant atmosphere.

Especially, I would like to thank Salimbhai...