Summer Training MBA

8/15/2019 Summer Training MBA

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AREPORT

ON

"STUDY ON ABILITY OF BANKS TO FULFILL PRESENT

AND FUTURE REQUIREMENTS IN TRADE FINANCE OF

SMALL AND MEDIUM SCALE INDUSTRIES ."

PREPARED BY:

STUTI VASAVADA

MBA-1, ALPHA

R.No.3105

A ! !#$ o% !#$&!' %('%&'')*+$ o% MBA o(# *

A$ N.R. I+ $&$($* o% B( &+* M!+! *)*+$

SUBMITTED TO

M#. N**#!/ A)!#+!+&


2/47

ACKNOWLEDGEMENTS

A$ $ * o($ *$, I o('2 '& * $o *4 #* ) 2** #!$&$(2* $o M#. K& o#* B !$$ %o# !''o &+

)* $o o# (+2*# & (&2!+ *, $ *#*6 , &7&+ )* !+ o o#$(+&$ $o !&+ $#*)*+2o(

+o '*2 * !+2 &'' %#o) & 7! $ *4 *#&*+ * o% 18 *!# &+ 6!+ &+ * $o#.

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#* ('!# &+ ($ %#o) M#. B !$$, &$ ! M#. K. S(6#!)!+&!+ &$ o) I &+$*#! $*2 o+ !

2! -$o-2! 6! & !+2 !7* *+$ )!/o# $*+(#* o% ) $#!&+&+ !+2 !7* !&+*2 ! 'o$ %#o)

& *4 *#&*+ *.

I !) !' o &+ *#*' $ !+ %(' $o ) %! ('$ (&2* , M#. S!$& N! !+2 M#. N**#!/

A)!#+!+& %o# $ * (&2!+ * !+2 7!'(!6'* ( * $&o+ #&o# $o !+2 2(#&+ $ * *+$*

o(# * o% $#!&+&+ .

M ! +o '*2 *)*+$ o('2 6* &+ o) '*$* &% I 2o +o$ *4$*+2 ) &+ *#* $ !+ $o !'' $ *

*4* ($&7* 9 $!%% o% IDBI 6!+ , * * &!'' , M# . M&+& !+2 M#. P!#! S ! %o# $ * *'

!+2 (&2!+ *.

:


3/47

TABLE OF CONTENTS

Executive Summary………………………………………………………. 4

Introduction………………………………………………………………… 5

About The Organization……………………………………………………6

About The Pro ect…………………………………………………………. !

"a#h $anagement Sy#tem……………………………………………… %6

Survey……………………………………………………………………… &'

Survey O( Indu#try )*ue#tionnaire+…………………………………….. &%

,ie-d or/…………………………………………………………………. &0

An/-e#h1ar 2egion3………………………………………………………. &0,inding# And 2ecommendation#……………………………………….. &

haruch 2egion…………………………………………………………… &!,inding# And 2ecommendation#……………………………………….. 0&

aroda 2egion3……………………………………………………………. 04,inding# And 2ecommendation#……………………………………….. 0

"onc-u#ion…………………………………………………………………. 0!

earning (rom the 7ro ect………………………………………………… 4'

ib-iogra7hy……………………………………………………………….. 4%

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EXECUTIVE SUMMARY

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#*;(*)*+$ !+2 $ * !6&'&$ o% $ * 6!+ $o #o7&2* $ o * *#7& * .

T * (#7* ! (+2*#$! *+ %o#idbi bank , B!#o2! 6#!+ . H*+ *, $ * #* &o+ (##o(+2&+

&$ &.*. B!#o2!, B !#( !+2 A+ '* !# ! o+ &2*#*2. T * o($ o)* o% $ * (#7*

o *2 $ !$ $ * 6!+ &+ #*;(*)*+$ o% $ * )!'' !+2 )*2&() !'* &+2( $#&* !#* 7*#

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o%%*#*2 6 $ * 6!+ . T & !2 6**+ o6 *#7*2 )!&+' &+ $ * B !#( !+2 A+ '* !#

#* &o+. B($ &$ & !' o ! %! $ $ !$ $ * &+2( $#&* o *2 #*!$ &+$*#* $ &+ $ * !22&$&

*#7& * #o7&2*2 6 6!+ *+ $ * *#* *4 '!&+*2 $ * %(+ $&o+ o% $ * *#7& * .

T * $#!&+&+ ! ! #*!$ '*!#+&+ *4 *#&*+ * #* ('$&+ &+ ! 6*$$*# (+2*# $!+2&+ o% $ *

6!+ &+ * $o#.


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I NTRODUCTION

B!+ &+ ! 6**+ $ * #& $ !+2 o% !+ 6( &+* &+ * ! 'o+ $&)*. E7*# $&)* ! o) !+

*+$*# &+$o ! )o+*$!# $#!+ ! $&o+ &$ ! ( $o)*#, $ * $#!+ ! $&o+ $! * '! * $ #o( ! 6!+ . M! &$ 6* ! )*+$ o# o''* $&o+ o% )o+* , &$ & $ * 6!+ , & )! * $ * ! )*+$

!+2 #* *& $ *! &*# $ #o( $ * $*) o% o''* $&o+ !+2 ! )*+$ 6 *;(*, 2*)!+2 2#!%$,

6&'' 2& o(+$&+ *$ . T ( , 7!#&o( 6!+ &+ &+ $#()*+$ '& * $ o * )*+$&o+*2 !6o7* !7*

6**+ ! !#$ !+2 !# *' o% &+2( $# o *#!$&o+ .

T * B!+ &+ * $o# ! !&+*2 )o#* &) o#$!+ * &+ $ * #* *+$ *!# . T & & *# !

6* !( * o% $ * %! $ $ !$ 7!#&o( &+2( $#&* !#* o)&+ ( o+ ! &2* !'* !+2 !' o 6* !( *

$ * &+2( $#&* !#* *4 !+2&+ &+ 2&%%*#*+$ !#$ o% $ * o#'2 ! ! !#$ o% 'o6!'&>!$&o

Mo#*o7*#, &$ $ * *+$*#&+ o% $ * #&7!$* * $o# 6!+ &+$o $ * $#!2&$&o+!' 6!+ &+ *

(#7&7!' o% $ * %&$$* $ ! 6* o)* $ * #('*. T * )!&+ !27!+$! * o% $ * #&7!$* * $o# 6!+

!#* $ !$ $ * !7* '!# * !)o(+$ o% %(+2 !+2 $ * 6*'&*7* &+ #o7&2&+ *#7& * 6

** &+ $ * +**2 o% $ * ( $o)*# &+ )&+2. H*+ *, $ * )!&+ !&) & $o #o7&2*

)!4&)() !$& %! $&o+ $o ( $o)*# 6 o%%*#&+ 2&%%*#*+$ $#!2* %&+!+ * &+ $#()*+$

o) *$&$&7* #!$* $o $#*!)'&+* $ * %&+!+ &!' %(+ $&o+ o% $ * &+2( $#&* .

K** &+ $ & o6/* $&7* &+ )&+2, !+ !$$*) $ ! 6**+ )!2* &$ $ * (&2!+ * o%idbi bank

$o $(2 $ * 6!+ &+ #*;(*)*+$ o% $ * )!'' !+2 )*2&() !'* &+2( $#&* &+ $*#) o%

!$ $#!2* %&+!+ * *#7& * $ * !#* #* *+$' !7!&'&+ , !$ !#* $ * !22&$&o+!'

#*;(*)*+$ !+2 !$ 2o* idbi bank o%%*#.

H*#* %o''o ! 2*$!&'*2 #* o#$ o+ $ * !6o7*-)*+$&o+*2 $(2 . T * #* *!# ! o+2( $*2

&+ $ #** #* &o+

• B!#o2!

• B !#(

• A+ '* !#

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ABOUT THE ORANIZATION

IDBI, the tenth largest development bank in the world has promoted

world-class institutions in ndia. A !ew o! such institutions built b" DB

are #he $ational %tock E&change '$%E() #he $ational %ecurities

Depositor" %ervices *td. '$%D*() %tock +olding ,orporation o! ndia

'%+, *( etc. DB is a strategic investor in a plethora o! institutions)

which have revolutioni ed the ndian inancial /arkets. DB promoted

idbi bank to mark the !ormal !ora" o! the DB 0roup into commercial

Banking. #his initiative has blossomed into a ma1or success stor". idbi

bank ) which began with an e2uit" capital base o! Rs.3444 million

'Rs.544 million contributed b" DB and Rs.644 million b" % DB ()

commenced its 7rst branch at ndore in $ovember 3889. #herea!ter in

less than seven "ears the bank has attained a !ront ranking position in

the ndian Banking ndustr".

idbi bank success!ull" completed its public issue in ebruar" 88) which

led to its paid-up capital e&panding to Rs.3 44 million. #he promoters

holding conse2uent to this public issue stood reduced to ;3< with DBholding 9;< and % DB 3 < o! the paid up capital o! DB Bank. #his is

in line with the re2uirement o! RB ) which stipulates that eventuall" the

promoters holding should be brought down to 4. %ubse2uentl") DB as

promoters sought permission to establish a commercial bank and

retained ?P/0 a management consultant o! international repute to

prepare the groundwork !or establishing a commercial Bank. #he

Reserve Bank o! ndia conve"ed it@s in principle approval to establish

idbi bank on ebruar" 33th) 388 . #herea!ter the Bank was

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incorporated at 0walior under ,ompanies Act on 39th o! %eptember

388 with its Registered ce at ndore.

The futureidbi bank looks con7dentl" into the !uture to !ace and thrive in the

intense competitive environment that is emerging. #he bank has now

gained e&perience and has in place the strategies re2uired !or gaining

a leadership position. Cith cutting edge relevant technolog")aggressive marketing) innovation) tight control over costs and with its

motivated work!orce) the bank is all set to emerge as a model global

corporate citi en in the da"s ahead.

Promoters

#he promoters are ndustrial Development Bank o! ndia ' DB ( and

%mall ndustries Development Bank o! ndia '% DB ( . #he 0overnment

o! ndia under an Act o! Parliament) the DB Act 38 ) established DB

in 38 . DB @s role as a catal"st to industrial development has

encompassed a broad spectrum o! activities. % DB ) their second

promoter) was established as a wholl" owned subsidiar" o! DB in 3884

when DB @s port!olio relating to the small industrial sector was

trans!erred to them.

Government business

#he ,entral Board o! Direct #a&es ',BD#( are responsible !or

administering various direct ta&es through the ,ommissioners o!

ncome-ta& located in di erent parts o! the countr". #he

,ommissioners o! ncome-ta& are entrusted with the task o! collection

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as well as re!und o! ncome ta& and ,orporation #a&) etc. under the

ncome-ta& Act) 38 3.

#he bank has received the mandate !rom the ,entral Board o! Direct

#a&es to ,ollect the Direct #a&es through DB bank branches.

Information Te hno!o"#

/odern banking demands banks to be more and more tech-savv" in

order to provide value added services to their clients with cutting edge

technologies.

#he" serve in various aspects such as:

• %o!tware development and implementation - more and more

business processes now rel" upon so!twareFs s"stems• $etwork maintenance and e&pansion - to keep the customers

nline

Risk $ana"ement

Risk management is a ke" element o! the Bank@s business strateg".

denti7cation) awareness) measurement) monitoring and controlling

risk) e cientl" and e ectivel") in a manner geared towards "ieldingsustained economic value) is one o! the highest priorities o! the Bank.

/ission o! the Risk 0roup is to move the Bank up the value chain b"

ensuring sustained 2ualit" growth in and o the balance sheet along

with optimi ing bottom-line compensation to ade2uatel" cover the

various risks embraced b" the Bank and provide accretion to its

capital. n the process) Risk 0roup creates value - tangible and

intangible - !or its stakeholders 'investors) customers) emplo"ees)regulators( - value in the !orm o! a superior balance sheet) ade2uate

li2uidit") health" return on capital) trust and con7dence) knowledge-

backed decision guidance s"stems) etc.

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%igni7cant means have been invested in adapting the bank@s risk

management practices to the rapid development and diversi7cation o!

its activities. #he Risk 0roup is activel" pursuing its ob1ective o!

establishing a high 2ualit" o! risk measurement and management

s"stem. #hese are emplo"ed not onl" to satis!" regulator"

re2uirements) but also to position the Bank ahead o! competition in

adopting cutting-edge practices !ollowed internationall" in the 7eld o!

risk management. B" doing so) the Bank improves its abilit" to detect

earl" warning signals) allowing it to respond speedil" and Ge&ibl" to

prevent an" adverse variations in the Bank@s e2uit" value and

earnings.

#he Risk 0roup believes that risk management is all about wanting to

do business and more so about wanting to remain in business. And in

pursuit o! this enterprise-wide ob1ective) it considers ever" emplo"ee

o! the Bank a Risk /anager.


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ABOUT THE PRO%E&T

#his pro1ect aims at stud"ing various trade 7nance re2uirements o! the

small and medium scale industries. #hrough this pro1ect an attempt

has been made to get an idea whether the present banking sector is

able to !ul7ll these re2uirements or not. Be!ore going to the

technicalities o! the pro1ect) a brie! description o! the various trade

7nance instruments is given below:

PRODU&T 'EATURE( :

$*A$D B **% '% 0+# H I%A$,E( D %, I$#ED

Bill o! e&change is an instrument in writing containing an unconditional

order) signed b" the maker directing a certain person to pa" a certain

sum o! mone" onl" to or the order o! a certain person or to the bearer

o! the instrument

$*A$D B **% %E$# $ , **E,# $

An inland bill sent outward !or collection is a bill o! e&change H dra!tdrawn pa"able on demand or a certain number o! da"s a!ter sight at

an outstation place and lodged !or collection with the bank. #he

proceeds o! such instruments are credited H remitted to the drawer

a!ter reali ation o! the same.

$*A$D B **% '% 0+#HI%A$,E( $E0 # A#ED I$DER * ##ER%

,RED #

Banks) representing the bene7ciar") can associate with the letters o!

credit in various capacities such as Advising Bank) ,on7rming Bank)

bank nominated !or e ecting settlement under *,) trans!erring bank or

reimbursing bank.

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RE 0$ ,IRRE$,Y B **% '% 0+# H I%A$,E( $E0 # A#ED I$DER

*E##ER% ,RED #

I,P de7nes a documentar" letter o! credit as an" arrangement

whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance

with the instructions o! a customer 'applicant( is to make pa"ment to

or to the order o! a third part" 'bene7ciar"( or is to pa") accept or

negotiate bills o! e&change drawn b" the bene7ciar" or authori es such

pa"ments to be made or such dra!ts to be paid) accepted or negotiated

b" another bank against stipulated documents) provided that the terms

and conditions o! the *, are complied with. Banks) representing the

bene7ciar") can associate with the letters o! credit in various

capacities such as Advising Bank. ,on7rming Bank) bank nominated !or

e ecting settlement under *,) trans!erring bank or reimbursing bank.

RIPEE EJP R# B **% '% 0+# H I%A0E( $E0 # A#ED I$DER *E##ER%

,RED #



with the instructions o! a customer 'applicant( is to make pa"ment toor to the order o! a third part" 'bene7ciar"( or is to pa") accept or



b" another bank against stipulated documents) provided that the terms

and conditions o! the *, are complied with.


credit in various capacities such as Advising Bank) ,on7rming Bank.

Bank nominated !or e ecting settlement under *,) trans!erring bank or

reimbursing bank.

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EJP R# B **% %E$# $ , **E,# $

An e&port bill sent outward !or collection is a bill o! e&change H dra!t

drawn pa"able on demand or a certain number o! da"s a!ter sight at

an outstation place and lodged !or collection with the bank. #he

proceeds o! such instruments are credited H remitted to the drawer

a!ter reali ation o! the same.

/P R# *E##ER% ,RED #




or to the order o! a third part" 'bene7ciar"( or is to pa". Accept or


pa"ments to be made or such dra!ts to be paid) accepted or negotiatedb" another bank against stipulated documents) provided that the terms


RE 0$ ,IRRE$,Y /P R# B **% RE,E KED $ , **E,# $

An inward H import collection is a sight H usance instrument which ma"

be a promissor" note or a bill o! e&change along with transport

documents 'unless in case o! clean collection( drawn on an ndian

importer and received !or collection b" the bank. Chen an authori ed

dealer 'AD( receives !oreign bills !or collection !rom a correspondent

abroad) the AD acts as an agent !or its !oreign correspondent bank. AD

should be ver" care!ul to ensure that the instructions o! the principal

'!oreign correspondent bank( are adhered to in all respects. #he

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principal should at all stages be kept in!ormed o! all developments

relating to the particular bill.

RIPEE /P R# B ** RE,E KED $ , **E,# $

An inward H import collection is a sight H usance instrument which ma"

be a promissor" note or a bill o! e&change drawn on an ndian importer

and received !or collection b" the bank. Chen an authori ed dealer

'AD( receives !oreign bills !or collection !rom a correspondent abroad.

#he AD acts as an agent !or its !oreign correspondent bank. AD should

be ver" care!ul to ensure that the instructions o! the principal '!oreign

correspondent bank( are adhered to in all respects. #he principal

should at all stages be kept in!ormed o! all developments relating to

the particular bill.

$*A$D B **% RE,E KD $ , **E,# $An inward inland collection is a sight H usance instrument which ma" be

a promissor" note or a bill o! e&change drawn on a bu"er 'the drawee(

and received !or collection b" the bank. Chen the bank receives inland

bills !or collection !rom a correspondent bank H other branches) the

bank acts as an agent !or its correspondent bank. Bank should be ver"

care!ul to ensure that the instructions o! the principal 'correspondent

bank( are adhered to in all respects. #he principal should at all stages

be kept in!ormed o! all developments relating to the Particular bill.

PRE - %+ P/E$# ,RED # $ RIPEE%

Pre-shipment 7nance is a working capital 7nance e&tended to an

e&porter in anticipation o! his e&porting the underl"ing goods. Basic

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purpose o! e&tending pre-shipment 7nance is to enable the eligible

e&porters to procure raw materials H process H manu!acture H

warehouse H ship the goods meant !or e&ports.

P,* is de7ned as a loan or advance granted or an" other credit

provided b" an institution to an e&porter !or 7nancing purchase o! raw

materials) processing and packing o! the goods) on the basis o! letters

o! credit '*,( opened) in !avour o! the e&porter. B" an importer o!

goods outside ndia or a con7rmed and irrevocable order !or the e&port

o! goods !rom ndia or an" other evidence o! an order !or e&port !rom

ndia having been placed on the e&porters.

PRE%+ P/E$# ,RED # $ RE 0$ ,IRRE$,Y

Pre-shipment 7nance is a) working capital 7nance e&tended to an

e&porter in anticipation o! his e&porting the underl"ing goods. Basic

purpose o! e&tending pre-shipment 7nance is to enable the eligible

e&porters to procure raw materials H process H manu!acture warehouse

3 ship the goods meant !or e&ports.

P, , is de7ned as a loan or advance granted or an" other credit

provided b" an institution to an e&porter which is sel!-li2uidating in

nature and accordingl" e&port bill will have to be discounted to

li2uidate P, , !or 7nancing purchase o! raw materials) processing and

packing o! the goods. n tile basis o! letters o! credit '*,( opened. in

!avour o! the e&porter) b" an importer o! goods outside ndia or a

con7rmed and irrevocable order !or the e&port o! goods !rom ndia or

an" other evidence o! an order !or e&port !rom ndia having been

placed on the e&porters. P, , has been permitted b") RB in order to

help the e&porters to avail o! e&ports credit) at internationall"

competitive rate.

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BAN) GUARANTEE(

'Both nland and verseas 0uarantees(

Bank guarantee is an undertaking given b" the bank 'the guarantor( at

the re2uest o! a third part" usuall" a customer 'the principal( or a bank

or other part" so re2uested b" the principal 'the instructing part"( to

another part" 'the bene7ciar"( whereb" the guarantor undertakes - in

the event o! de!ault b" the principal in the !ul7llment o! his obligations

to make the pa"ment to the bene7ciar" within the limits o! a stated

sum o! mone".

As per the ndian ,ontract Act) 0uarantee is a contract to per!orm the

promise or discharge the liabilit" o! a third person in case o! his

de!ault. 0uarantee is a collateral contract to answer !or the de!ault o!

another person and thus is ancillar" or subsidiar" to another contract.

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B ? $0 A RCARD , $#RA,#

orward contract is a contract !or purchase !rom or sale to a customer

o! a !oreign currenc" amount at a speci7c rate o! e&change to he

delivered at a mutuall" agreed date or during a mutuall" agreed

period.

A,I B **% PIR,+A%ED I$DER *E##ER ,RED #




or to the order o! a third part" 'bene7ciar"( or is to pa". accept or

negotiate bills o! e&change drawn b" the bene7ciar") or authori es

such pa"ments to he made or such dra!ts to be paid) accepted or

negotiated b" another bank against stipulated documents) provided

that the terms and conditions o! the *, are complied with.

Banks) representing the bene7ciar" can associate with the letters o!

credit in various capacities such as Advising Bank. ,on7rming Bank)

bank nominated !or e ecting settlement under *.,. trans!erring bankor reimbursing bank.

'OREIGN &URREN&* AND RUPEE BI++( (ENT 'OR &O++E&TION

UNDER +ETTER( O' &REDIT




or to the order o! a third part" 'bene7ciar"( or is to pa") accept or



b" another bank against stipulated documents provided that the terms


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credit in various capacities such as Advising Bank) ,on7rming Bank.

Bank nominated !or e ecting settlement under *,. #rans!erring bank or

reimbursing bank.

$*A$D B **% %E$# R , **E,# $ I$DER *E##R% ,RED #


credit in various capacities such as Advising Bank. ,on7rming Bank.

Bank nominated !or e ecting settlement under *,) trans!erring bank or

reimbursing bank.

RE 0$ ,IRRE$,Y B **%) A,I B **% A$D L RIPEE EJP R# B **%

PIR,+A%ED $ # I$DER *,

This ro-u t om rises of t.o -istin t sta"es/

n the 7rst stage) the bank receives the e&port documents. #he bank

reviews the e&port documents and the availabilit" o! credit limit to the

drawer to purchase the e&port documents. nce the ade2uac" o! credit

limit is established) the bank purchases the documents !rom the

drawer and credits the drawer@s account with the appropriate amount.

#he second stage pertains to !orwarding the documents !or collection

to the collecting bank abroad. n reali ation o! e&port bill proceeds the

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transaction is closed !orever. ! the purchased bill is returned then the

amount is recovered !rom the drawer.

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CASH MANAGEMENT SYSTEM

C! )!+! *)*+$ $*) #*%*# $o $ * ! !+2 )*!+ o% o+ *#7&+ ! . Fo# $ &

(# o * &$ & &) o#$!+$ $o (+2*# $!+2 !$ %'o!$ )*!+ .

T * ! 6!'!+ * o + 6 ! %) o+ &$ 6oo & !''*2 $ * 6oo 6!'!+ * *#*! $ *

6!'!+ * o + &+ &$ 6!+ ! o(+$ & !''*2 $ * o''* $*2 6!'!+ *. T * 2&%%*#*+ * 6*$ **+

$ * $ o !6o7*-)*+$&o+*2 6!'!+ * & !''*2 float . A !&+ $ *#* !#* $ o $ * o% %'o!$

D& 6(# *)*+$ %'o!$ !+2 o''* $&o+ %'o!$. C *;(* & (*2 6 ! %) #*!$* 2& 6(# *)*+$

%'o!$. O+ $ * o$ *# !+2 *;(* #* *&7*2 6 ! %) '*!2 $o o''* $&o+ %'o!$. T * +*$ %'o!$

& $ * () o% 2& 6(# *)*+$ %'o!$ !+2 o''* $&o+ %'o!$. I$ & &) ' $ * 2&%%*#*+ * 6*$ **+

$ * %) !7!&'!6'* 6!'!+ * !+2 &$ 6oo 6!'!+ *. S&+ *, !$ )!$$*# & $ * !7!&'!6'*

6!'!+ *, !+ !$$*) $ & )!2* $o )!4&)&>* +*$ %'o!$. T & )*!+ ! %) o('2 $#&7* $o

**2 ( o''* $&o+ !+2 2*'! 2& 6(# *)*+$ .

SPEEDING UP COLLECTIONS:

T * o''* $&o+ $&)* o) #& * )!&'&+ $&)*, *;(* #o * &+ 2*'! , !+2 $ * 6!+

!7!&'!6&'&$ 2*'! . < *+ ! o) !+ #* *&7* ! )*+$ $ #o( *;(* $ !$ !##&7* 6

)!&', !'' $ * $ #** o) o+*+$ o% o''* $&o+ $&)* !#* #*'*7!+$. To **2 ( o''* $&o+,o) !+&* o%$*+ ( * 'o 6o4* !+2 o+ *+$#!$&o+ 6!+ &+ & !#* * *+$&!'' $*)

%o# *4 *2&$&o( 2* *+$#!'&>*2 o''* $&o+.

LOCK BO ES

U+2*# ! 'o 6o4 $*), ( $o)*# !#* !27& *2 $o )!&' $ * ! )*+$ $o * &!' o $

o%%& * 6o4* !''*2 'o 6o4* , & !#* !$$*+2*2 $o 6 'o !' o''* $&+ 6!+ , &+ $*!2 o%

*+2&+ $ *) $o o# o#!$* *!2;(!#$*# . T * 'o !' 6!+ o''* $ $ * *;(* %#o) $ *

'o 6o4 o+ * o# )o#* ! 2! , 2* o &$ $ * *;(* 2* $' &+$o $ * 'o !' 6!+ ! o(+$ o%

$ * %), !+2 %(#+& * 2*$!&' $o $ * %).

T ( $ * 'o 6o4 $*) ($ 2o + $ * )!&'&+ $&)*, #*2( * #o * &+ $&)* !+2

o#$*+ $ * !7!&'!6&'&$ 2*'! 6* !( * $ * *;(* !#* $ & !'' 2#! + o+ 'o !' 6!+ .

1


20/47

CONCENTRATION BANKIN

I+ $ & $*), $ * o) !+ ! &$ ( $o)*# &+ ! !#$& ('!# !#*! $o *+2 ! )*+$ $o !

'o !' 6#!+ o%%& * #!$ *# $ !+ $o $ * o# o#!$* *!2;(!#$*# . T * *;(* #* *&7*2 6

'o !' 6#!+ o%%& * !#* 2* o &$*2 %o# o''* $&o+ &+$o ! 'o !' 6!+ ! o(+$. &+ 2& 6(# *)*+$ %'o!$ & ! ;(* $&o+!6'* #! $& *, ! %) !+ $&'' o+ *#7* &$ ! #* o(# * 6 #o *#' o+$#o''&+ &$ ! )*+$

T * %o''o &+ )! 6* 2o+* &+ $ & #* * $

• E+ (#* $ !$ ! )*+$ !#* )!2* o+' *+ $ * %!'' 2(* !+2 +o$ *!#'

• C*+$#!'&>* 2& 6(# *)*+$ . T & *' &+ o+ o'&2!$&+ %(+2 !$ $ * *!2 o%%&

*2('&+ ! )*+$ )o#* *%%* $&7*' , #*2( &+ (+ #o2( $&7* ! 6!'!+ * !$

#* &o+!' 'o !' o%%& * , !+2 &+7* $&+ %(+2 )o#* #o2( $&7*' .• A##!+ * &$ ( '&*# $o *$ $ * 2(* 2!$* o% $ * 6&'' $o )!$ &$ o) !+

#* *& $ . S + #o+&>!$&o+ o% ! o($%'o &$ ! &+%'o *' ! o) !+ $o *$

#*!$*# )&'*! * %#o) &$ ! #* o(# * .

OPTIONS FOR INVESTING SURPLUS FUNDS

Co) !+&* o%$*+ !7* (# '( %(+2 %o# o#$ *#&o2 o% $&)* 6*%o#* $ * !#* #*;(*2 %o#

! &$!' *4 *+2&$(#* , 'o!+ #* ! )*+$ , o# o)* o$ *# (# o *. T * * %(+2 )! 6*

2* 'o *2 &+ ! 7!#&*$ o% ! . A$ o+* *+2 o% $ * * $#() & $ * $*#) 2* o &$ G$o 6* )!2*

%#o ! )&+&)() *#&o2 o% 15 2! &+ ! 6!+ , !$ $ * o$ *# *+2 o% $ * * $#() & $ *

&+7* $)*+$ &+ *;(&$ !#* , & !+ #o2( * & ' 7o'!$&'* #*$(#+ . I+ 6*$ **+ '&*

*7*#!' !7*+(* '& * (+&$ , (6'& * $o# 6o+2 , $#*! (# 6&'' , &+$*#- o# o#!$* 2* o &$ ,

!+2 6&'' 2& o(+$&+ .

:0


21/47

Fo''o &+ !#* o)* o $&o+ $ #o( & %) *+*#!'' 2* 'o (# '( %(+2 .

Te ! "e#o$%t$ &%t' (a)*$:

B!+ ! * $ $*#) 2* o &$ %o# *#&o2 #!+ &+ %#o) 15 2! $o 5 *!# . T * &+$*#* $ #!$*

o+ $*#) 2* o &$ 7!#&* (##*+$' %#o) 5 *# *+$ [email protected] *# *+$ *# !++(). T * &+$*#* $

#!$* #& * !# ' ! $ * *#&o2 o% 2* o &$ &+ #*! * %#o) 30 2! $o 1- *!# 2* o &$.

M+t+al F+)" S,'e!e$:

A 7!#&*$ o% *)* !#* o%%*#*2 6 )($(!' %(+2 . B! *2 o+ $ * &+7* $)*+$ o'& , $ *

)($(!' %(+2 *)* )! 6* 6#o!2' '! &%&*2 ! %o''o

Equity schemes $ * o# ( o% !+ *;(&$ *)* & &+7* $*2 (6 $!+$&!'' G@0- 5 &+

*;(&$ o# *;(&$ #*'!$*2 &+ $#()*+$ . T * 6!'!+ * )! 6* &+ 2*6$ &+ $#()*+$ . Balanced schemes A 6!'!+ *2 *)*, ! &$ +!)* ( * $ , &+7* $ &$ o# ( ! #o

$ o 6#o!2 ! *$ '! * , &.*. *;(&$ !+2 2*6$ &+ ! )o#* o# '* 6!'!+ *2 )!++*#.

Debt schemes A 2*6$ *)* &+7* $ &$ o# ( #&)!#&' &+ 2*6$ &+ $#()*+$ . So)* 2*6$

*)* )! !7* ! )!'' *4 o (#* $o *;(&$&* .

Fo# &+7* $&+ o#$ $*#) (# '( * *# ! $ * )o $ o ('!# *)* !#* 2*6$ *)*

6* !( * o% $ * 'o o# +&' *4 o (#* $o *;(&$&* .

Rea"- fo &a "$:

A o))*# &!' 6!+ o# o)* o$ *# o# !+&>!$&o+ )! 2o ! #*!2 %o# !#2 2*!' &$ !

o) !+ &+$*#* $*2 &+ 2* 'o &+ (# '( %(+2 o+ ! o#$-$*#) 6! & . U+2*# $ &

!##!+ *)*+$, $ * 6!+ *'' !+2 #* (# ! * $ * !)* * (#&$&* !$ #& * 2*$*#)&+*2

6*%o#* !+2. H*+ *, $ * +!)* J#*!2 %o# !#2 . R*!2 %o# !#2 !#* *#)&$$*2 o+' &+

*#$!&+ * (#&$&* . T * o) !+ *!#+ ! #*$(#+ &+ $ * %o#) o% ! #& * 2&%%*#*+ * !+2 +o$ &

$ * %o#) o% !+ &+$*#* $ &+ o)*.

:1


22/47

T ea$+ - (%ll$:

T#*! (# 6&'' #* #* *+$ o#$-$*#) o6'& !$&o+ o% $ * o7*#+)*+$, & !7* )!$(#&$&*

'& * 1 2! , 1@: 2! !+2 38= 2! . T * 2o +o$ !## !+ *4 '& &$ &+$*#* $ #!$*. T * !#*

&+ $*!2 o'2 !$ ! 2& o(+$ !+2 #*2**)*2 !$ !# 7!'(*. H*+ * $ * &) '& &$ &+$*#* $ #!$* & !

%(+ $&o+ o% $ * &>* o% $ * 2& o(+$ !+2 $ * *#&o2 o% )!$(#&$ .

Co!!e ,%al #a#e :

Co))*# &!' ! *# #* #* *+$ o#$ $*#) (+ * (#*2 #o)& o# +o$* & (*2 6 %) $ !$

!#* *+*#!'' o+ &2*#*2 %&+!+ &!'' $#o+ . Co))*# &!' ! *# ( (!'' ! ! )!$(#&$

*#&o2 o% 0 o# 1@0 2! . I$ & o'2 !$ ! 2& o(+$ !+2 #*2**)*2 !$ !#. H*+ * $ * &) '& &$

#!$* & ! %(+ $&o+ o% $ * &>* o% 2& o(+$ !+2 $ * *#&o2 o% )!$(#&$ . Co))*# &!' ! *# &

*&$ *# 2* $' '! *2 &$ &+7* $o# o# o'2 $ #o( 2*!'*# . Co))*# &!' ! *# 2o* +o$ #* *+$' !7* ! *''-2*7*'o *2 * o+2!# )!# *$ &+ I+2&!.

I)te .Co #o ate De#o$%t$:

A 2* o &$ )!2* 6 o+* o) !+ &$ !+o$ *# +o#)!'' %#o ! *#&o2 o% ( $o &4 )o+$

& #*%*##*2 $o ! &+$*#- o# o#!$* 2* o &$. S( 2* o &$ !#* ( (!'' o% $ #** $ *

• Call Deposits I+ $ *o# , ! !'' 2* o &$ & &$ 2#! !6'* 6 $ * '*+2*# o+ &7&+ !

2! +o$& *. I+ #! $& *, o *7*#, $ * '*+2*# ! $o !&$ %o# !$ '*! $ $ #** 2! .• Three month Deposits Mo#* o ('!# &+ #! $& *, $ * * 2* o &$ !#* $! *+ 6

6o##o *# $o $&2* o7*# ! o#$-$*#) ! &+!2*;(! .

• Six month Deposits No#)!'' , '*+2&+ o) !+&* 2o +o$ *4$*+2 2* o &$ 6* o+2

$ & $&)* %#!)*. S( 2* o &$ !#* ( (!'' )!2* &$ % $ '! 6o##o *# .

::


23/47

SURVEY

PURPOSE:

• To $(2 $ * 6!+ &+ #*;(*)*+$ G* * &!'' $#!2* %&+!+ * &+ $#()*+$ !+2

!22&$&o+!' *#7& * o% $ * )!'' !+2 )*2&() !'* &+2( $#&* .

• To +o $ * *#7& * !7!&'*2 6 $ * o) !+&* %#o) $ * #* *+$ 6!+ .

• To ! * $ * %(#$ *# #*;(*)*+$ %#o) $ * 6!+ .

• To %&+2 o($ $ * '*7*' o% !$& %! $&o+ %#o) $ * #* *+$ 6!+ .

METHODOLOGY:

•

P e#a at%o) of /+e$t%o))a% e: A%$*# !7&+ ! *!'$ 2& ( &o+ &$ o(# #o/* $(&2* M#. K. (6#!)!+&!+ !+2 M#. P!#! S ! * #* !#*2 $ * ;(* $&o++!*. T *

o o% $ * !)* & !$$! *2 o+ $ * +*4$ ! *.

• Data(a$e ,olle,t%o): T * &+2( $#&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ %o#)*2 $ *

2!$!6! * o% &+2( $#&* $o 6* (#7* *2. I$ & o#$ )*+$&o+&+ *#* $ !$ $ o( $ *

&+2( $#&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ *#* o+ &2*#*2, )!+ o) !+&* *#*

2& o7*#*2 2(#&+ $ * (#7* & !2 $ * *4 o#$ !+2 &) o#$ '& *+ * 6($ *#*

+o$ o+2( $&+ *4 o#$ o# &) o#$.

• Sele,t%o) of a ea: T * #* &o+ %o# o+2( $&+ $ * (#7* ! *'* $*2 o+ $ * 6! &

o% #o4&)&$ o% $ *idbi bank 6#!+ B!#o2!. T ( , $ #** #* &o+ *#* *'* $*2

1. IDC M! !# (#!

:. IDC B !#(

3. IDC A+ '* !#

:3


24/47

0UESTIONNAIRE FORMAT

1.N!)* o% $ * Co) !+ ......................................................................................................:.N!)* o% $ * o+ *#+ *# o+ 2* & +!$&o+ .........................................................................

3.A22#* ..............................................................................................................................

P . No. ....................... F!4 No. .................... E-)!&' ID ...................................... ...

=. N!$(#* o% B( &+* ...........................................................................................................

5.T * o% O# !+&>!$&o+

F'!$ G T#!2&$&o+!' G

8.T(#+o7*# o% Co) !+ ............................

?.T * O% B( &+*

C#*2&$ G No+-C#*2&$ G

@.I% o+ $ * #*2&$ 6! & , $ * o% #*2&$ ........................................................................

S* )*+$!$&o+

I+'!+2 G I% Y* LCBD G CBD G O$ *# ....................

Fo#*& + G I% Y* LC G No+ LC G O$ *# ....................

.I $ * o) !+ & &+ E4 o#$ I) o#$ B( &+* Y* G No G

I% Y* ,! Vo'()* o% E4 o#$ I) o#$

E4 o#$ ..........................

I) o#$ ..........................

C(##*+ &*

USD G EUR G BP G PY G AUD G CAD G CHF G

6 < & o% $ * %o''o &+ H*2 &+ $oo' Co) !+ ( * $o *2 * $ * #& !#& &+ o($

O% %o#*& + (##*+ *4 o (#*.

Fo# !#2 Co+$#! $ G O $&o+ G No+* G

:=


25/47

10.P#* *+$ B!+ *# o% Co) !+ #o(

P(6'& S* $o# B!+ G P#&7!$* S* $o# B!+ G

1 .................................................... 1 ................................................

: .................................................... : ................................................

3 .................................................... 3 ................................................

= .................................................... = ................................................

11.A#* o( !$& %&*2 &$ $ * *#7& * o% o(# #* *+$ 6!+ *# Y* G No G

1:.< !$ !#* $ * !22&$&o+!' *#7& * o( *4 * $ %#o) o(# #* *+$ 6!+ *#

1 ......................................................

: ......................................................

3 ...................................................... = ......................................................

13.H!+2'&+ O% F&+!+ *

Lo !' L*7*' G M()6!& G O$ *# ..................................

1=. Y*!#' o($ o o+ ! o(+$ o%

D* $ T!4* R . ........................ L! . (/!#!$ S!'* T!4 R . ........................ L! .

15. A#* o( ! !#* o% $ * IDBI B!+ S*#7& * , & &+ '(2*

•

C(##*+$ A o(+$ 9 D* o &$ .• Co''* $&o+ 9 2& 6(# *)*+$ So'($&o+

• O($ $!$&o+ C *;(* o''* $&o+.

• D&7&2*+2 I+$*#* $ ! )*+$ So'($&o+ .

• Co# o#!$* P! #o'' A o(+$

• B(' C *;(* #&+$&+ . Y* G No G

• D*6$ *#7& &+ Y* G No G

• *-6!+ &+ So'($&o+

• O+'&+* ! o(+$ $!$( I+%o#)!$&o+

• A o(+$ $!$*)*+$ $ #o( *-)!&'. Y* G No G

o7*#+)*+$ B( &+*

• D* $ T!4* GCBDT

:5


26/47

• (/!#!$ S$!$* T!4* . Y* G No G

FIELD WORK

ANKLESHWAR REGION:A+ '* !# #* &o+ ! ! 6*'$ o% &2* 7!#&*$ !+2 7!#&*2 &>* o% &+2( $#&* . Fo# $ *

)!# *$ (#7* (# o * * #* $#& $*2 $o $ * (#7* o% &+2( $#&* &+ & $ * !+2'&+ o%

%&+!+ * ! 2o+* !$ $ * 'o !' '*7*'. I+ $ * * &%&*2 $&)* * o('2 (#7* 3 &+2( $#&* ,

& )!&+' &+ '(2*2 $ o * )!+(%! $(#&+ *)& !' , o'o(#, *)& !' (' , )! &+*#

*$ . T * o7*# !'' )!# *$ !+!' & o% A+ '* !# #* &o+ o+ $ * 6! & o% $ * ;(* $&o++!* &

&7*+ 6*'o

I+ A+ '* !# )!/o#&$ o% $ * o) !+&*

!#* )!'' !+2 )*2&() !'*. M!+

o) !+&* !#* !7&+ $(#+o7*# 6*$ **+ 1-:

#o#*. T * o) !+&* !7&+ $(#+o7*#

!6o7* 10 #o#* !#* L( &+, S(+ P !#)!,

A)!' L$2, E'!) P !#)! *$ .

TURNOVER OF THE COMPANIES

689

%49

5%9

%9

&9

%'9

%:&"rore

&:4"rore

4:6"rore

6:8"rore

8:%'"rore

Above %'

M!/o#&$ o% $ * %) &+ A+ '* !# !#*!

!#* o'* #o #&*$o# !+2 !#$+*# & . O($ o%

$ * 3 Co) !+&* 7& &$*2, @1 o) !+&*

!7* ! o'& o% &7&+ #*2&$ $o $ *

( $o)*# . T & & )!&+' 6* !( * )o $ o%

$ * %) !#* ;(&$* o'2 !+2 !7* 2*7*'o *2

( #*'!$&o+ &$ $ * ( $o)*# .

TYPE OF BUSINESS

8%

%&

"2E;IT


27/47

M!/o#&$ o% $ * #*2&$ & *4$*+2*2 $o $ *

( $o)*# o+ $ * 6! & o% #*'!$&o+. T & &

6* !( * o% $ * !6o7*-)*+$&o+*2 %! $. I$ !

6**+ o6 *#7*2 $ !$ ! !#$ %#o) #*'!$&o+,

#&o#&$ & !' o &7*+ $o 30 2! , 80 2!

!+2 #*2&$ $ #o( LC. Co. )% . *!7

)! &+* !+2 $oo' $! * !27. ! )*+$

*+*#!'' $ & & $o !7o&2 #*/* $&o+ o% o#2*#

!$ ! '!$*# $! * !+2 $o !7* *+o( )o+*

%o# (# ! &+ &+7*+$o#&* .

TYPE OF CREDIT

0. '9

55.569%0.589

%&.059

&.% 9%.&09%%.%%9

Advance2e-ation0' ;ay#6' ;ay#!' ;ay#%&' ;ay#

"

M!/o#&$ o% $ * o) !+&* &+ A+ '* !#

!#* &+7o'7*2 &+ )*# !+$ *4 o#$. T & &

6* !( * $ *#* !#* )!+ o) !+&*

)!+(%! $(#&+ &)&'!# #o2( $ , 2(* $o

& $ * o) !+&* #*%*# $o *'' $ *

#o2( $ &+ 6(' $ #o( )*# !+$

*4 o#$*# . T * o) !+&* &+7o'7*2 &+ *4 o#$

6( &+* !#* )!+(%! $(#*# o% o'o(#

& )*+$ !+2 *)& !' .

Type of Business

0'.%'9

0.&49

4!.469

%%.8095.089

On-y Ex7ortOn-y Im7ort$erchant ex7ortEx7ort:Im7ortOn-y ;ome#tic

:?


28/47

M!/o#&$ o% $ * o) !+&* !#* !7&+

P(6'& * $o# 6!+ ! $ * 6!+ *#. T *

#*! o+ 6* &+2 $ & & $ * !7* 2*7*'o *2

'o+ -$*#) #*'!$&o+ &$ $ * 6!+

!+2 #o4&)&$ o% $ * 6!+ . T *

o) !+&* ( &+ #&7!$* * $o# 6!+ !#*

*+*#!'' $ o * o) !+&* o !7* $ *

*!2 o%%& * &+ M()6!& o# !+ o$ *# )*$#o

&$ .

Present Ban

569

%&9

0&9

On-y Pub-icOn-y Private

oth Sector#

@? o% $ * o) !+&* !#* !$& %&*2 &$$ * #* *+$ 6!+ *#, ! &$ & '*!# %#o) $ *

!#$. T * )!/o# #*! o+ 6* &+2

2& !$& %! $&o+ !#* 'o *;(*

#o * &+ , &22*+ !# * , !+2 +o * &!'

#*%*#*+ * %o# #* ('!# ( $o)*#.

SATISFACTION !ITH THE PRESENT

BAN"

8 .''9

%0.''9

Sati#(ied

;i##ati#(ied

A+ '* !# 6*'$ & %('' o% )*2&() !+2

'!# *- !'* o) !+&* !7&+ $ * *!2

o%%& * &+ M()6!& !+2 o$ *# &$&* . Fo# $ *

(# o * o% o(# (#7* , * !7* o#$-

'& $*2 $ * o) !+&* , & !+2'* $ *

%&+!+ * %#o) 'o !' '*7*'.

HAND#IN$ OF FINANCE

8&.''9

%'.''96.''9

oca- eve-

$umbai

Other

:@


29/47

A * !+ ** %#o) $ * !#$ $ *#* &

!')o $ 50 o% $ * &+2( $#&* , & #*%*#

$ * !22&$&o+!' *#7& * . T * * !22&$&o+!'

%! &'&$&* )!&+' &+ '(2* o($ $!$&o+

*;(* o''* $&o+, *-6!+ &+ o'($&o+, !+2

$!4 ! )*+$ o $&o+ . I$ ! 6**+ o6 *#7*2

$ !$ o) !+&* , & 2o +o$ #*%*#

!22&$&o+!' *#7& * , !#* )!'' !'*

&+7o'7&+ &) '* $#!+ ! $&o+.

PREFERENCE FOR ADDITIONA#

SERVICES

4!95%9

Pre(er

;o not 7re( er

:


30/47

FINDINGS AND RECOMMENDATIONS

A %!# ! A+ '* !# &+2( $#&!' 6*'$ & o+ *#+*2, &$ & %!# )o#* #o * $&7* $ !+ B !#( .

I+&$&!'' , $ * o) !+&* *#* *'* $*2 o+ $ * 6! & o% $ * *4 o#$ !+2 &) o#$ ! $&7&$&* 6

&+ A+ '* !#, $ *#* !#* ! '!# * +()6*# o% o) !+&* o !7* $ * *!2 o%%& * &+

M()6!& !+2 o$ *# )*$#o o &$ ! 2* &2*2 $o )! * ! '& $ o% $ o * o) !+&* o !7*

$ * *!2 o%%& * !$ $ * 'o !' '*7*'.

O($ o% $ * 3 &+2( $#&* 7& &$*2, )!/o#&$ o% $ * o) !+&* !#* )!'' !+2 )*2&()

!'* &+2( $#&* .

I+ A+ '* !#, $ * o-o *#!$&7* 6!+ !#* )o#* o ('!# $ !+ $ * #&7!$* * $o#

6!+ . T o( $ * (6'& * $o# 6!+ '! ! 7&$!' #o'*, $ * o) !+&* !' o #*%*#

$ * o-o *#!$&7* 6!+ ( ! N!7 !#/!+ o-o *#!$&7* 6!+ , A+ '* !#

(2 o +! !# 6!+ *$ . T *#* !#* ! %* #&7!$* * $o# 6!+ '& * ICICI !+2 HDFC

6!+ 6($ $ * !#* '* o ('!# ! o) !#*2 $o $ * o-o *#!$&7* 6!+ . T & &

6* !( * $ * o-o *#!$&7* 6!+ !## o($ $ * o *#!$&o+ )!&+' o+ $ * 6! & o%

#*'!$&o+ ! *'' ! #o7&2* )!+ *#7& * %#** o% !# *.

I+ A+ '* !#, $ *#* !#* 7!#&*$&* o% &+2( $#&* ( ! *)& !' , o'o(#

& )*+$ , *!7 )! &+* !+2 $oo' , E+ &+**#&+ , oo !#* *$ . T * * &2*7!#&*$&* o% &+2( $#&* &+2( * +()6*# o% 6!+ &+ $#!+ ! $&o+ . T * )!&+ !27!+$! *

o% $ * A+ '* !# !#*! & $ !$ $ *#* !#* &+2( $#&* o% )!+ &+2 *+ *, &$ & 7*#

)( o &6'* $o &$ &+$o o)* o# $ * o$ *# !#*! o% %(+ $&o+&+ o% ! !#$& ('!#

&+2( $# .

I$ !+ 6* o6 *#7*2 %#o) $ * !6o7* !#$ $ !$ )!/o#&$ o% $ * o) !+&* !#*

!$& %&*2 &$ $ * #* ('!# *#7& * ( ! #*2&$ '&)&$ , (##*+$ ! o(+$ *$ . 6

$ * o *2 **+ &+$*#* $ &+ *$$&+ !22&$&o+!' *#7& * .I$ ! 6**+ o6 *#7*2 2(#&+ $ * (#7* $ !$ )!+ o) !+ o +*# !#* +o$ *7*+

! !#* !6o($ $ * * *#7& * . Mo#*o7*# $ * !#* 7*# #& &2 !+2 !+$ $o #* $#& $

$ *) *'7* $o $ * $#!2&$&o+!' *#7& * %#o) $ * 6!+ .

30


31/47

So o(# % $ $* o('2 6* $o )! * $ * o) !+&* ! !#* o% $ * 7!#&o( *#7& * ,

& $ * !+ !7!&' %#o) $ * 6!+ . T & !+ 6* 2o+* 6 o'2&+ )**$&+ &$

7!#&o( o) !+ o +*# !+2 *4 '!&+ $ *) $ * 2&%%*#*+$ *#7& * , *$ *# $ * !#*

%#** o% o $ o# &+7o'7* *#$!&+ !# *.


32/47

BHARUCH REGION

B !#( ! ! 7*# '&)&$*2 *$ o% I+2( $#&* , & !7* o$*+$&!' %o# 2*7*'o )*+$.

Mo#*o7*#, $ *#* !#* 7*# %* &+2( $#&* , & !#* 2*7*'o *2. I+ $ * ! $, $ *#* *#* !

%* &+2( $#&* & !2 2*7*'o *2 6($ 2(* $o $ * !+$& o''($&o+ )o7*)*+$, )!+ o%

$ *) !7* 6**+ 'o *2. B* !( * o% $ & , * o('2 7& &$ o+' ! %* o) !+&* , & *

%o(+2 '( #!$&7*. T * !+!' & o% $ * !)* & ! %o''o

T * o) !+&* &+ B !#( !#* )!'' !'*

&.*. !7&+ $(#+o7*# o% 1-: #o#*. I+

!22&$&o+ $o $ !$ %* o) !+&* !#* !7&+

$(#+o7*# o% @-10 #o#* !+2 !6o7* 10 #o#*.

T * o) !+ !7&+ $(#+o7*# !6o7* 10

#o#* !#* B'(* $!# !+2 P!$ o+

T#!+ %o#)*# .


6 959

59

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&:4"rore

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6:8"rore

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M!/o#&$ o% $ * %) &+ B !#( !#* o'*

#o #&*$o# & . I$ ! 6**+ o6 *#7*2 $ !$

)!/o#&$ o% $ * o +*# !2 )('$& '*

6( &+* * o $ * &7* #*2&$ $o *4 *' &+ !''

'&+* o% 6( &+* .

TYPE OF BUSINESS

&'

0"2E;IT


33/47

I$ & !+ o6 *#7*2 %! $ $ !$ 2(* $o

)('$& '& &$ o% 6( &+* '&+*, ! ( '&*# %o#

o+* 6( &+* & ( $o)*# o% !+o$ *#

6( &+* . B* !( * o% $ & , $ * !7* $o &7*

#*2&$ o+ $ * 6! & o% $ * #*'!$&o+ &$

$ * !#$&* .

TYPE OF CREDIT

'

659

0'9

''' 59 Advance2e-ation0' ;ay#6' ;ay#!' ;ay#%&' ;ay#

"

M!/o#&$ o% $ * o) !+&* &+ B !#( !#*

&+7o'7*2 &+ 2o)* $& 6( &+* . T * )!&+

#*! o+ 6* &+2 $ & & $ * )!/o#&$ o%

o) !+&* !#* )!'' !'* !+2 $ * !#*

&+7o'7*2 &+ )('$& '* 6( &+* * o $ *

%&+2 *+o( ( $o)*# &+ $ * 'o !' )!# *$.

H*+ * @:.81 o) !+&* !#* 2o&+ o+'

2o)* $& 6( &+* . Co) !+&* &+7o'7* &+

&) o#$ !#* )!+(%! $(#*# o% $#!+ %o#)*# ,

*;(& )*+$ !+2 *)& !' .

TYPE OF BUSINESS

4.049%0.'49

'

8&.6%9

On-y Ex7ortOn-y Im7ort

Ex7ort:Im7ortOn-y ;ome#tic

A')o $ !'' o) !+&* &+ B !#( !#*

!$& %&*2 &$ $ * #* *+$ 6!+ . T *

#*! o+ 6* &+2 $ & & $ !$ o) !+&* !#*

)!'' !'* !+2 #*;(* '* %! &'&$ %#o)

$ * 6!+ . T * * *#7& * $ * !#* *$$&+

%#o) $ * #* *+$ 6!+ 2(* $o $ * 'o+ -

$*#) #*'!$&o+. A !#$ %#o) $ !$ 2*7*'o &+

o) !+&* #*;(&+ !22&$&o+!' %! &'&$&*

!7!&' &$ %#o) #&7!$* * $o# 6!+ .


BAN"

!%9

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;i##ati#(ied

33


34/47

M!/o#&$ o% $ * o) !+&* &+ B !#( !#*

!7!&'&+ $ * *#7& * o% P(6'& * $o# 6!+ .

T * #*! o+ 6* &+2 $ & & $ * !7*

2*7*'o *2 ! #! o#$ &$ $ * (6'& * $o#

6!+ . Mo#*o7*# o7*# $ *#* !#* 7*# %*

#&7!$* * $o# 6!+ & !7* $ *

6#!+ &+ B !#( . So $ * o) !+&* !#*

#*'( $!+$ $o #*' o+' o+ #&7!$* * $o#

6!+ *+ * $ * o) o &$&o+ o% 6o$ $ *

* $o# & =0 .

PRESENT BAN"

5&9

89

4'9

On-y Pub-ic

On-y Private

oth Sector#

I+ B !#( , @? o% $ * o) !+&* o *#!$*

!$ 'o !' '*7*' 2(* $o $ * )!'' &>*. 13 o%

$ * o) !+&* !7* $ * *!2 o%%& * &+

M()6!& !+2 o$ *# &$&* .

HAND#IN$ OF FINANCE

8 9

!9 49

oca- eve-

$umbai

Other

A )*+$&o+*2 *!#'&*#, )!+ o% $ *

o) !+&* &+ B !#( !#* & (+&$ , o)*

o% $ *) !7* 6**+ ($ 2o + !+2 o)* o%

$ *) !#* &+7o'7*2 &+ $ * o *#!$&o+ &

!#* 7*# &) '* !+2 2o +o$ #*;(*

!22&$&o+!' *#7& * . T * 80 +o #*%*#*+ *

& 2(* $o $ * &+2&%%*#*+ * o+ $ * !#$ o% $ *

o) !+ o +*# .


SERVICES

4'9

6'9

Pre(er ;o not 7re( er

3=


35/47


D(#&+ $ * (#7* , &$ ! 6**+ o6 *#7*2 $ !$ B !#( ! ! 7*# )!'' 6*'$ o%

&+2( $#&* . Mo#*o7*#, )!+ )!'' !+2 )*2&() !'* (+&$ !7* 6* o)* & . o+*.

35


36/47

T * !$$&$(2* & !'$ o( +o$ 7*# *! $o !+ * 6($ &$ !+ 6* !+ *2 6

*4 '!&+&+ $ *) $ * *#7& * o%%*#*2 6 $ * 6!+ $ #o( o'2&+

#* *+$!$&o+ o# )**$&+ &$ $ * o) !+ o%%& &!' . B* !( * )!+ o% $ *

o) !+ o +*# !#* +o$ ! !#* o% $ * 7!#&o( %! &'&$&* !7!&'*2 6 $ * 6!+

!+2 o &$ !+ !7* $ * $&)* !+2 )o+* .

T * *#7& * !+ !' o 6* o%%*#*2 6 ! #* &7*' )!# *$&+ $ * 2&%%*#*+$

%&+!+ &!' *#7& * (&$!6'* %o# $ * o) !+&* &+ B !#( .

38


37/47

BARODA REGION :

T * M! !# (#! IDC ! *'* $*2 %o# (#7* (# o *, $ * 6! * %o# *'* $&o+ !

o) !+ !7&+ *4 o#$ &) o#$ '& *+ *. O7*# !'' ? o) !+&* *#* 7& &$*2. M!/o#&$

o) !+&* !#* &+ $ * %&*'2 o% )!+(%! $(#&+ *!7 )! &+*# , *+ &+**#&+ oo2 ,

%!6#& !$&o+, *)& !' . I$ ! 6**+ o6 *#7*2 $ !$ $ *#* !#* )!+ o) !+&* !#*

)!+(%! $(#&+ oo2 o# !#$ )!&+' %o# )!/o# '! *# '& * ABB o# FA *$ . $ *

o) !+&* &$(!$*2 &+ B!#o2! &$ *#* !' o *'* $*2 6($ $ * * o) !+&* *#* +o$

#*!2 $o oo *#!$* 6* !( * o% $ * &+ o+7*+&*+ * !( *2 ! ! #* ('$ )!+ 6!+

! #o! &+ %o# $ * !)* (# o *

I+ B!#o2! )!/o#&$ o% $ * o) !+&* !#*

)!'' !+2 )*2&() !'*. T * 3 o# =

o) !+&* !#* !7&+ $(#+o7*# !6o7* 10

#o#* $ * !#* ! !+$ o&' )&'' G300 #o#* ,

Bo)6!#2&*# T#!+ o#$!$&o+ G100 #o#* ,

A')o+!#2 G50 #o#* *$ .


609%69

69

09

09 !9%:&"rore

&:4"rore

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.

M!/o#&$ o% $ * %) &+ B!#o2! !#*

&+7o'7*2 &+ $ * 6( &+* o% )!+(%! $(#&+

*)& !' , )! &+*# , *;(& )*+$ !+2 6('

2#( . T * )!&+ 6( &+* & o+ C#*2&$

6! & . B* !( * o% $ & * !+ )! * o($

%#o) $ * !#$ $ !$ 83 o($ o% ? o) !+&* #*%*# #*2&$ 6( &+* . T * %) &+7o'7* &+

+o+- #*2&$ 6( &+* !#* *''-* $!6'& *2

%) !+2 &+ 6(' 2#( 6( &+* .

TYPE OF BUSINESS

60

%6"2E;IT


38/47

T * o) !+&* *+*#!'' *4$*+2 #*2&$ o+

$ * 6! & o% #*'!$&o+ &$ $ * '&*+$ ,

o *7*# :0.83 o% $ * o) !+&* !' o

#*%*# LC. T * * o) !+&* !#* $ *

o) !+&* &+7o'7*2 &+ )!/o# *4 o#$ !+2

$ o * 2*!'&+ &$ +* ( $o)*# .

TYPE OF CREDIT

%09

069

%%9

%'9

89

&9

&'9 Advance2e-ation0' ;ay#6' ;ay#!' ;ay#

%&' ;ay#"

M!/o#&$ o% $ * o) !+&* &+ $ * B!#o2!

!#* &+7o'7*2 &+ 2o)* $& 6( &+* , 2o&+

7*# '* *4 o#$ &.*. o+ * &+ ! *!# o# o.

TYPE OF BUSINESS

469

09!9

4&9

On-y Ex7ortOn-y Im7ort

Ex7ort:Im7ortOn-y ;ome#tic

M!/o#&$ o% $ * o) !+&* &+ B!#o2! !7*

($ $ * $#( $ &+ P(6'& * $o# 6!+ . T * *

6!+ &+ '(2* M! !# (#! o-o *#!$&7*

6!+ , B!+ o% B!#o2! !+2 S$!$* 6!+ o%

I+2&!. T * )!&+ #*! o+ 6* &+2 $ & %! $ !#* #o4&)&$ $o $ * o) !+&* !+2 'o+ -$*#)

#*'!$&o+ &$ $ * 6!+ . A+o$ *# )!/o#

#*! o+ %o# $ & & $ !$ )!+ %) !## o($

7*# '* $#!+ ! $&o+ &$ $ * 6!+ . T *

o) !+&* ( &+ o+' #&7!$* * $o# 6!+

*+*#!'' #*%*# ICICI !+2 ABN A)#o

6!+ . T * o) !+&* ( &+ 6o$ $ *

* $o# !#* $ * )o $ !$& %&*2 o+* 6* !( *

$ * *$ $ * o# 2o+* $ #o( *&$ *# o%

$ * 6!+

PRESENT BAN"

'9

%89

%&9On-y Pub-ic

On-y Private

oth Sector#

3@


39/47

3 o% $ * o) !+&* !#* !$& %&*2 &$

$ * #* *+$ 6!+ *#. I$ ! 6**+ o6 *#7*2

$ !$ $ * o) !+&* 2& !$& %&*2 &$ $ *

#* *+$ 6!+ !#* $ o * o) !+&* , &

!#* ( &+ $ * *#7& * o% (6'& * $o#

6!+ . T * )!&+ #*! o+ 6* &+2

2& !$& %! $&o+ !#* 'o #o * &+ !+2

$#&+ *+$ #*2&$ +o#)


BAN"

!09

9

Sati#(ied

;i##ati#(ied

I+ B!#o2! $ * !+2'&+ o% %&+!+ * o% @@o) !+&* & 2o+* !$ 'o !' '*7*' 6* !( *

)o $ o% $ * o) !+&* !#* )!'' !'* !+2

2o +o$ !7* !+ o$ *# (+&$.10 o% $ *

o) !+&* !7* $ * *!2 o%%& * &+

M()6!&.

HAND#IN$ OF FINANCE

889

%'9 &9

oca- eve-

$umbai

Other

A &$ !+ 6* **+ %#o) $ * !#$ )!+

o) !+&* #*%*# !22&$&o+!' *#7& * . T *

!#* * &!'' &+$*#* $*2 &+ *#7& * '& *

o($ $!$&o+ *;(* o''* $&o+ !+2 $!4

! )*+$ o'($&o+ . So)* o) !+&* 2o+ $

#*%*# !22&$&o+!' *#7& * 6* !( * $ * %&+2

&$ o+7*+&*+$ $o *# o+!'' o $o $ * 6!+ ,! $ * 6!+ & +o$ $oo %!#.


SERVICES

4 9509

Pre(er

;o not 7re( er

3


40/47


I+ B!#o2!, o($ o% )!+ &+2( $#&!' !#*! $ * M! !# (#! IDC ! *'* $*2 %o#

(#7* (# o *. T * o) !+&* *#* *'* $*2 o+ $ * 6! & o% &) o#$-*4 o#$

'& *+ * $ * !7*. M!/o#&$ o% $ * o) !+&* &+ M! !# (#! !#* )!'' !+2 )*2&()

!'*. Mo $ o% $ *) !#* &+ $ * #!+ * o% 50'! $o = o# 5 #o#*. F* o) !+&* '& *

! !+$ o&' )&'' , Bo)6!#2&*# $#!+ o#$!$&o+ !+2 A')o+!#2 '$2., & !7* $(#+

o7*# !6o7* 50 #o#* .

M!/o#&$ o% $ * o) !+&* &+ B!#o2! !#* &+7o'7* &+ $ * 6( &+* o% )!+(%! $(#&+

E+ &+**#&+ !#$ , *!7 )! &+*# , *)& !' *$ . *+*#!'' $ * o) !+&* %&+2

$ * 6( &+* !$ 'o !' '*7*' o $ * 2o+ $ *4 o#$ 6($ $ *#* !#* $&'' o) !+&*

2* *+2 )!&+' o+ *4 o#$ 6( &+* .

T *#* !#* )!+ (+&$ , & )!+(%! $(#* oo2 %o# ( ' &+ $o $ * 6&

o) !+&* '& * ABB, FA *$ . )!/o#&$ o) !+&* 2* *+2 o+ $ * #*'!$&o+ %o#

#*2&$ 6( &+* , 7*# %* o% $ *) !#* ( &+ LC o# $ * ( * LC *+ ( $o)*# &

+* .

A $ *#* !#* )!+ (6'& ! *'' ! #&7!$* * $o# 6!+ &+ B!#o2! $ *#* & $o(

o) *$&$&o+ !)o+ $ *) $o #!6 !+2 ( $!&+ &$ o &$&o+ &+ $ * )!# *$. T *o) !+&* !#* )!&+' ! #o! &+ $o $ * 6!+ , & !#* &+ $ !$ !#*! '& *

M! !# (#! Co-O . 6!+ , B!+ o% B!#o2! !+2 S$!$* B!+ o% I+2&!. T & & $o !7*

$ * $&)* !+2 *$ $ * $#!+ ! $&o+ 2o+* %! $*#.

M!+ o) !+&* !7* * $!6'& *2 'o+ $*#) #*'!$&o+ &$ $ * 6!+ #& $ %#o)

$ * &+ o# o#!$&o+ o% $ * o) !+ . So &$ & *! &*# %o# $ *) $o *$ $ * o# 2o+*.

I+ !22&$&o+ $o $ & )!+ o) !+&* &+ &$* o% !7&+ CC '&)&$, 2o +o$ ( * &$

6* !( * )!&+' $ * $#!+ ! $&o+ !#* &) '* !+2 *+*#!'' &+7o'7* ! . T *o) !+&* & !#* $! &+ %! &'&$&* %#o) #&7!$* * $o# 6!+ +o 2! $ * !#*

2*!'&+ &$ ICICI !+2 ABN A)#o.

=0


41/47

I+ &$* o% !'' $ * * %! $ $ *#* & ! 6#& $ & $(#* %o# $ * 6!+ $o ! #o! $ *

o) !+&* . T * !+ #o7&2* $ *) 7!#&o( %! &'&$&* '& * o($ $!$&o+ *;(*

o''* $&o+, *-6!+ &+ o'($&o+ !+2 )!&+' $!4 ! )*+$ o'($&o+ . M!+

o) !+&* o *2 &+$*#* $ &+ $ * * %! &'&$&* .


42/47

LEARNING FROM THE PRO1ECT

T & @ ** $#!&+&+ *#&o2 ! *#$!&+' !22*2 'o$ o% 2* $ $o ) !''o

+o '*2 * o% $ * 6!+ &+ * $o# ! *'' ! $ * o# &+ o% $ * )!'' !+2 )*2&()

!'* &+2( $#&* . T * #* *!# o# (+2*#$! *+ 6 )* !$ $ #** 2&%%*#*+$ #* &o+ !7*)* ! '*!# & $(#* o% $ * )*+$!'&$ !+2 !$$&$(2* o% $ * &+2( $# o +*# &+ *! #* &o+.

I 6* !)* ! !#* o% $ * %! $ $ !$ $ * !$$&$(2* o% $ * *o '* $o ! #*!$ *4$*+$ 2* *+2 o+

$ * *+7o+)*+$ $ * o# &+. Fo# *4!) '*, $ * !$$&$(2* o% $ * &+2( $#&* &+ B!#o2!

! o)* !$ o &$&7* $o !#2 o(# (#7* *#*! $ * !$$&$(2* $o !#2 $ * !)*

(#7* &+ B !#( ! $o$!'' o o &$*. T ( , $ * o($ o)* o% $ * (#7* !+ 6* 7*#

*'' /(2 *2 6 $ * !$$&$(2* o% $ * *o '* o# &+ &+ ! !#$& ('!# o# *+7o+)*+$.

A+o$ *# )!/o# 7!'(* !22&$&o+ $o ) +o '*2 * '&* &+ $ * %! $ $ !$ #o *# *'* $&o+ o%

#&$*#&! & ! )( $ %o# !+ (#7* $o 6* o#$ &'*. K** &+ $ & &+ )&+2, %o# o(#

(#7* &+ A+ '* !# * *'* $*2 $ * o) !+&* , & !+2'*2 $ * %&+!+ * !$ $ *

'o !' '*7*' 6* !( * A+ '* !# ! ! '!# * +()6*# o% o) !+&* o * %&+!+ * &

!+2'*2 %#o) *!2 o%%& * &+ M()6!& !+2 o$ *# )*$#o . S&)&'!#' , &+ B!#o2!,

o) !+&* *#* *'* $*2 o+ $ * 6! & o% o) !+&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ o

$ !$ &$ & o &6'* %o# $ * 6!+ $o &$ &+$o $ * LC * )*+$ ! ;(& ' ! o &6'*.

F&+!'' , $ & #o/* $ ! &7*+ )* $#*)*+2o( '*7*' o% *'%- o+%&2*+ *, $ * &$ $o

o# &+ $*!) !+2 $ * !6&'&$ $o )!+! * $ &+ &+2* *+2*+$' . Mo#*o7*#, &$ !

*' *2 )* #oo) ) *'% &+ $o ! #o%* &o+!', & & ! #*-#*;(& &$* &+ $ &

o) *$&$&7* o#'2.

It %$ 2oo" to lea ) f o! e3#e %e),e a$ lo)2 a$ %t %$ ot'e $45 T * *4 *#&*+ * o% $ *

& ' ;(!'&%&*2 $!%% o% IDBI ! $!( $ )* $ * !#$ o% 2*!'&+ &$ *o '* !+2 $ *

o# !+&>!$&o+ o% $ * o!' $o 6* ! &*7*2. A'' $ & ! *#$!&+' 6**+ ( *%(' $o )* 2(#&+

$ * #o/* $ !+2 &'' !' ! 6* ( *%(' &+ ! &*7&+ )!+ )o#* *+2*!7o# &+ %($(#*.

CONCLUSION

=:


43/47

idbi bank & ! #*+o +*2 6!+ !'' o7*# I+2&! !+2 A6#o!2 !' o. T * 6!+ ! $! *+ ! 7*#

& * $* $o (#7* $ * $ #** !#*! !+2 $(2 $ * 6!+ &+ #*;(*)*+$ o% $ * o) !+&*!+2 $ * !$& %! $&o+ &$ $ * #* *+$ 6!+ .

T *#* !#* o )!+ #&7!$* * $o# 6!+ o)&+ ( 6($ 7*# %* !#* !6'* $o #o7&2*

*#7& * $ !$ !#* ( $o $ * *4 * $!$&o+ o% $ * &+2( $#&* . I% $ & &'' o+$&+(*, ! $&)*

o)* *+ $ * 6!+ &+ * $o# &'' !$(#!$* !+2 $ *#* o('2 6* +o o * %o# %(#$ *#

2*7*'o )*+$.

T * %&+2&+ !+2 #* o))*+2!$&o+ o% $ * (#7* '*!#' #*7*!' $ !$ $ *#* & ! +**2 o%

#o *# (+2*# $!+2&+ o% $ * *#7& * o+ $ * !#$ o% $ * &+2( $#&* &+ !'' $ * $ #** !#*!

T & *%%o#$ o+ $ * !#$ o%idbi bank $o ** ( $o)*# !$ $ * *+$#* !+2 (+2*# $!+2 $ *

+**2 &'' (#*' #o7* ! ! 6('' -* * &+ $ * #o #* o% $ * 6!+ ! *'' $ * 6!+ &+

* $o# ! ! o'*.

o+*, $ *

6!+ !+ &$ &+$o $ * #o * $&7* * $o# o% *! #* &o+ !+2 'o ' !+2 #!2(!''! $(#* $ * )!# *$ ! ! o'*. idbi bank !'#*!2 ! $ * o'& o% #o7&2&+ ;(!'&$

*#7& * !+2 )!&+$!&+ o+' ! )!+ '&*+$ ! &$ !+ )!+! *. I% &$ o# o+ $ & o'& %o#

$ * * $ #** #* &o+ !' o, &$ & 6o(+2 $o ! &*7* +* *& $ .

T & o &$&7* +o$* o+ '(2* $ * #* o#$. M! $ & #o7* $o 6* ( *%(' $o $ * 6!+ %o#

! &*7&+ +* *& $ .


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BIBLIOGRAPHY

F&+!+ &!' M!+! *)*+$, B P#! !++! C !+2#!

F&+!+ &!' M!+! *)*+$, B I. M. P!+2*Co) !+ D!$!6! *

. oo '*. o)

.$#!2*&+2&!. o)

.&+2&!6( &+* 2* $o# . o)

.&26&. o)

==


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=5


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=8


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Summer Training MBA

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