EXECUTIVE SUMMARY The study shows that how the ICICI bank gives the loans to its customers.

Credit appraisal is done to evaluate the credit worthiness of a borrower. The credit appraisals for any organization basically follow these steps: Assessment of credit need, financial statement analysis, and financial ratios of the company, credit rating, working capital requirement, term loan analysis, submission of documents, NPA classification and recovery.

The main aim of research is to find out the truth which is hidden and which has not been discovered as yet. Though each research study has its own Specific purpose, we may think of following broad categories:

To gain familiarity with a phenomenon or to achieve new insights into it. To portray accurately the characteristics of a particular individual, Situation or a group. To determine the frequency with which something occurs or with which it is associated with something else.

It is a way to systematically solve the research problem. It may be understood as a science of studying how research is done scientifically. In it we study the various steps that are generally adopted by a researcher in studying his research problem along with the logic behind them OBJECTIVES OF THE STUDY: Identify various parameter on basic of which credit appraisal is conducted. To understand the reason for choosing these parameter. To identify how score are given against each of these parameter. Recommendations LIMITATION: a. The study restricted to only one branch. b. The time constraint was a limiting factor, as more time required carrying out study on other aspects of the topic.

c. Due to secrecy it is difficult obtain actual facts and figures of advances of branches. d. Study limited to Home loans. e. Its hard to get permission from the bank to get all data. SUGGESTIONS: Current Appraisal System is good. The loan processing time should be reduced. The documents required for processing the loan should be reduced. The bank should focus more on advertising to increase awareness among the public about the services that it offers. The bank should completely eliminate the file system and go computerization at every stage as this removes paper work and creates transparency in the system. The bank should work on standardizing the processes and systems their follow. Care must be taken to ensure that the judgment in appraisal process does not depend on one single person and a single factor Need for improvised methods that are on par with international standards. Revising the factors on which appraisal is done to face the ever increasing violability. LEARNING: Financial Analysis is not the only requirement-overall analysis is must. Updating on technology and tools is a must be it a individual or organization. Understanding the nature of business and the market conditions is crucial for effective credit appraisal Real time communication with clients helped me enhance my communication skills. Decent understanding of the credit appraisal techniques