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Table of Contents
EXECUTIVE SUMMARY ..............................................................
.................................................... 3 CHAPTER-1 INTRODUCTION ..
................................................................................
....................... 4 1.1 Types Of NBFCs ....................................
................................................................................
..... 5 1.2 Regulations of NBFCs ................................................
................................................................. 6 1.3 Guidelin
es for new deposits ............................................................
.............................................. 8 1.4 Responsibilities ..........
................................................................................
................................. 11 1.5 Current Scenario ......................
................................................................................
................... 12 CHAPTER-2 Literature review .............................
............................................................................ 14
2.1 Importance Of NBFCs .........................................................
...................................................... 15 2.2 Role of NBFCs .....
................................................................................
..................................... 16 2.3 On Global Crisis ..................
................................................................................
....................... 17 CHAPTER-3RESEARCH METHODOLOGY .......................
........................................................ 18 3.1 RESEARCH DESIGN
................................................................................
................................ 19 3.2 Objective ..............................
................................................................................
....................... 19 3.3 SCOPE OF THE STUDY ..............................
............................................................................. 19
3.4 data collection ...........................................................
.................................................................. 19 3.4.1 PRIM
ARY DATA .......................................................................
........................................ 19 3.4.2 SECONDARY DATA ...............
................................................................................
.......... 19 3.5 Field Work Plan ..............................................
............................................................................ 20
CHAPTER-4MAJOR PLAYERS AND SELECTED COMPANY FOR STUDY ........................ 2
1 4.1 LIC HOUSING FINANCe.......................................................
................................................... 24 4.1.1 Housing Finance Ind
ustry ..........................................................................
.......................... 24 4.1.2 Indian Housing Finance scenario ............
............................................................................. 25
4.1.3 LIC Housing Finance .....................................................
...................................................... 26 4.1.4 Financial Perfor
mance ..........................................................................
............................... 28 4.1.5 Macro Economic Analysis ...............
................................................................................
.... 33 4.2 Reliance Capital: ..................................................
....................................................................... 38 4.2.1
Indian Economy: ...............................................................
................................................... 38 4.2.2 Reliance Capital ..
................................................................................
................................. 39 4.2.3 Financial Performance ...............
................................................................................
.......... 41 4.2.4 Macro Economic Analysis ....................................
............................................................... 44 4.3 Shriram t
ransport finance ...............................................................
............................................. 47 ALLIANCE BUSINESS SCHOOL | 1
NBFCs should ensure that the identity of the customer, including beneficial owne
r is done based on disclosures by customers themselves.
The records of all such transactions should be retained for at least ten years a
fter the transaction has taken place and should be available for perusal and scr
utiny by audit functionaries as well as regulators and law enforcement authoriti
es; as and when required, at the branch as well as at registered office.
Training of staff and management
It is important that all the operating and management staff is made fully aware
of the implications and understand the need for strict adherence to KYC norms.
NBFCs may take suitable steps to impart training to their operational staff on a
ntimoney laundering measures.
ALLIANCE BUSINESS SCHOOL | INTRODUCTION
10
INCOME
Net Interest Income (NII) increased by 33% from Rs. 694 crore in FY 2008
to Rs. 922 crore in FY 2009. Net Interest Income (NII) from infrastructure loans
increased by 34% from Rs. 565 crore in FY 2008 to Rs. 758 crore in FY 2009. Net
Interest Income from treasury operations increased by 27% from Rs. 129 crore in
FY 2008 to Rs. 164 crore in FY 2009.
ALLIANCE BUSINESS SCHOOL | MAJOR PLAYERS AND SELECTED COMPANY FOR STUDY 62