A

PROJECT REPORT
ON
TO STUDY CREDIT APPRAISAL IN HOME LOAN FINANCE

AT

SHARANPUR ROAD, NASHIK-422002

SUBMITTED TO
UNIVERSITY OF PUNE
IN PARTIAL FULFILLMENT OF
MASTER OF BUSINESS ADMINISTRATION

SUBMITETED BY
MISS. SONALI B. JADHAV
MBA (II) FINANCE
UNDER GUIDANCE OF
PROF. D.D. WALKE
YEAR 2008-09
NDMVPS INSTITUTE OF MANAGEMENT, RESEARCH AND TECHNOLOGY,
GANGAPUR ROAD, NASHIK 422002

Acknowledgement.
I sincerely thank HDFC Bank for giving me this opportunity to learn. I
Acknowledge my profound sense of gratitude & sincere thanks to the management of HDFC
Bank for offering me this project &summer training in their prestigious organization.
I would like to thank Mr. Amol Vispute (cluster sales manager) who has given
their valuable time throughout my project work. They providing all the relevant information
along with the valuable suggestions & recommendations when and where required.
I extend my special thanks to Financial Planners for their guidance kind cooperation &timely advices without which this project would not have been completed
successfully. I take immense pleasure to thank Mr.Nitin Tambe.
As gratitude and thanks to my college & professors I take this opportunity to
sincerely thank our director D.D.Walke & my project guide for his guidance & support. I am
thankful to Prof. D.T.Khairnar, S.R.Pachorkar, G.M.Ahire, D.R.Deore who always found time
for me in their busy schedule. They are pillar of support & mentor for enriching my knowledge
horizon.
It gives me pleasure to express my gratitude to my colleagues & others who have
directly or indirectly contributed their time & talent in completing this project.

Date

Signature

Declaration.

I Sonali bhaskarrao Jadhav student of MBA student of in the IMR&T solemnly declare
that the project titled To study Credit Appraisal in home loan finance. Carried out by me in
partial fulfillment of the MBA program under the University of Pune. This project was
undertaken as part of academic curriculum as per University rules & norms &by no commercial
interest or motive. It is my original work & not submitted elsewhere for any other purpose earlier.

Date

Signature

Index

Chapter
No.
1

Chapter Name

Page No.

INTRODUCTION
1.1 Object of the project
1.2 Selection of the topic for study
1.3 Objectives of the study
1.4 Research methodology
1.5 Scope of the study
1.6 Limitations of the study
1.7 Utility of the study

1
2
3
4
6
7
8

PROFILE OF THE ORGANIZATION

2.1 Background and History
2.2 Business Focus & Organization Chart
2.3 Products Range

9
10
14

ANALYSIS & INTERPRETATION OF INFORMATION / DATA

3.1 Topic under study
3.2 Presentation & Interpretation
3.3 Findings

16
26
67

CONCLUSION

79

RECOMMENDATION & SUGGESTIONS

80

APPENDICES
6.1 Case Studies
6.2 Bibliography

INTRODUCTION

PROFILE
OF
THE ORGANIZATION

ANALYSIS & INTEPRETATION

OF INFORMATION/ DATA

CONCLUSION

RECOMMENDATION
&
SUGGESTIONS

APPENDICES