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A PROJECT REPORT ON

A STUDY OF HOME LOAN APPRAISAL PROCESS


WITH SPECIAL REFERENCE TO

THE KOLHAPUR URBAN CO-OPERATIVE BANK LTD., KOLHAPUR

SUBMITED TO

SHIVAJI UNIVERSITY, KOLHAPUR.


In partial Fulfillment of the degree of Master of Business Administration (M.B.A.) Under the guidance of

PROF. D.C. DESHPANDE


B.Sc, M.A., M.Ed, C.A.I.I.B. Submitted by

ADITYA SHIVAJI JAGTAP


Through The Director Kolhapur Institute of Technologys Institute of Management Education & Research (KITS IMER), Kolhapur 2009-2011

DELARATION

I, the undersigned, hereby solemnly declare that the Project Report entitled A STUDY OF HOME LOAN APPRAISAL PROCESS written and submitted by me to the Shivaji University, Kolhapur in partial fulfillment of the requirement for the award of degree of Master of Business Administration under the guidance of Prof. DESHPANDE D.C. is my original work and the conclusions drawn therein are based on the material collected by myself. This report holds no other intention or any commercial value for that sake. Thus it has not been previously submitted an award of any degree of this or any other university.

Place: Kolhapur Date : / / 2010

ADITYA S. JAGTAP Research Student

ACKNOWLDGEMENT
Its a great privilege that I have done my project in such a well-organized and one of the very oldest banks in Kolhapur. I am great full to all those who helped and supported me in completing the project. I express my deep sense of gratitude to my project guide Mr. D.C. Deshpande, for guiding me towards the successful completion of my summer project. I am thankful to him for providing inputs at each stage of my project. First of all I would sincerely like to thank Mr. Anil Nagrale (CEO), Mr. Suresh Chougule, Mr. Vijay Chikane, Mr. Nitin Bhosale, Loan Scrutiny Depts Mr. Kharoshe, Mr. Bandar of Kolhapur Urban Co-Operative Bank Ltd., Kolhapur for theirs valuable guidance and kind co-operation during the project. My successful completion of the project is the result of theirs support and time-to-time help. Last but not least, I am also thankful to my parents, my elder brother, all college staff and my friends for helping me directly or indirectly in my project. I do understand that this research work would not have been possible without the innumerable source of information and many direct and indirect helping hands.

ADITYA SHIVJI JAGTAP

INDEX
Chapter No. 1. Content INTRODUCTION TO THE STUDY 1.1 Introduction 1.2 Objective & Importance of the study 1.3 Scope & Limitations of the study 1.4 Research Methodology INTRODUCTION TO THE BANK 2.1 Introduction & Brief history of the Bank 2.2 Branches of the Bank 2.3 Important statistical information 2.4 Future prospects 2.5 Organization Structure THEORETICAL BACKGROUND 3.1 Factors consider for appraising loan 3.2 Legal, Technical, Financial Appraisal 3.3 Process of Loan Appraisal 3.4 Documents required for appraising loan 3.5 Repayment procedure 3.6 Recovery Procedure 3.7 RBIs Master circular for Housing finance 3.8 KUC banks interest rate on home loan DATA ANALYSIS & INTERPRETATION FINDINGS SUGGESTION ANNEXURE BIBILOGRAPHY 65-66 67 Page No.

1-6

2.

7-16

3.

17-49

4. 5. 6.

50-62 63 64

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