Broad indicative structure for Project ReportIt is only illustrative and you may change/modify the same depending

upon the
scope of the subject of the SIP.
Subject of the Project
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Contents
Executive Summary
Why a particular Topic is selected& whether it was covered so far in the
Collage syllabus.
Objective & Scope of the Subject & its importance to the Economy
Indian Banking Structure
About the Bank-Details as on 31/3/2016
1) Name of the Bank
2) Address of the Head Quarter
3) No of Branches
4) Deposits
5) Advances
6) Profit
Note- if the Project is on Retail Lending, add information on Retail
Lending of the Bank
if the Project is on SME, add information on SME Advances of the
Bank
if the Project is on Investment, add information on Investment
profile of the Bank
if the Project is on Export Finance, add information on Export
Finance of the Bank
About the Branch-Details as on 31/3/2016
1) Name of the Branch
2) Address of the Branch
3) Business Profile
i)
Deposits
ii)
Advances
iii)
Profits
Note- if the Project is on Retail Lending, add information on Retail
Lending of the Branch
if the Project is on SME, add information on SME Advances of the
Branch
if the Project is on Export Finance, add information on Export
Finance of the Branch
Methodology
Literature Review-[if necessary]
Data 1) Data collection on the related Products & Processes, the
ways & methods the Business is sourced/Leads are generated,
screening/due diligence process followed, & Organizational
Structure.

2) This is the important part of the Project Report, in fact Heart

of the Project Report. Student is required to spend 75% of the
time spent in the Branch or Department to understand the
related Products & Processes, the ways & methods the Business
is sourced/Leads are generated,screening/due diligence process
followed, & Organizational Structure.
3) It requires close co-ordination & interaction with the Industry
Mentor &Study of related Manuals, Processes, Product papers,
Organizational structure etc.
i)

ii)

iii)

iv)

v)

if the Project is on Retail Lending, add information on

Retail Lending Schemes/Products& Processes followed
by the Bank& organizational structure. Also aspects
like Assessment/appraisal methods, scoring system, if
any, followed, EMI fixed, Margin [Loan to Value],
fixation of Rate of Interest etc. needs to be covered.
if the Project is on SME, add information on SME
Advances Schemes/Products & Processes followed by
the Bank & organizational structure. Also aspects like
Assessment/appraisal methods, scoring/rating system,
if any, followed, EMI fixed [Where applicable] Margin
[Loan to Value], fixation of Rate of Interest etc. needs
to be covered.
if the Project is on Investment, add information on
Investment profile of the Branch& Processes Followed
& organizational structure.
if the Project is on Export Finance, Non-Fund Business
like LC/LG add information on Export Finance& NonFund Business like LC/LG products & processes
followed & organizational structure. Also aspects like
Assessment/appraisal methods, rating system, if any,
followed, Margin [Loan to Value], fixation of Rate of
Interest/commission etc. needs to be covered.
if the Project is on Deposits, add information on
Deposits products & processes followed &
organizational structure. Also aspects like KYC/Anti
Money Laundering measures, Consumer
protection/service, TDS, etc. need to be covered.

Note 1- If the subject of the Project is Business related like

Deposits, Advances- Retail Lending, SME Advances, Export
Finance, Non-Fund Business like LC/LG, Investment then add
information on the ways & methods the Business is
sourced/Leads are generated.
Note 2- While sourcing the Business, Branch/Bank has to do
proper screening/due diligence, please add information on due

diligence process followed.

Note 3- The Business related data pertaining to the Project like
Deposits, Advances- Retail Lending, SME Advances, Export
Finance, Non-Fund Business like LC/LG, Investment etc. to be
taken for Bank/ Branch and for Two to Three years to make
meaningful analysis. For the purpose of more in
depth/meaningful analysis such Business related data
pertaining to the Project may be taken Banking Industry wide
and peer data.
Note 4- Critical/sensitive information like NPAs or Frauds,
Complains, Regulatory Actions may be taken to the extent the
same is available in Public domain. For example, Branch
Head/Industry may not appreciate using Branch specific
Critical/sensitive information like NPAs or Frauds, Complains,
Regulatory Actions which is not available in Public domain.
However, such Critical/sensitive information like NPAs
or Frauds, Complains, Regulatory Actions may be available in
Public domain through disclosures in Annual Report of the Bank
and may be used with all care and caution and subject to
comfort of the Industry mentor & only if it is absolutely
necessary for the Project.
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Analysis of Data/Information & Findings- Analysis of

Data/Information does NOT mean reproduction of mere figures
but it means Analysis of Data/Information like Trend analysis of
Business Performance [related to the Project] like Growth,
comparative analysis of Business Performance of the Branch
vis a vis Bank, vis a vis Banking Industry vis a vis Peer Bank.
Care needs to be taken to select peer, say, Banks in the same
category [ Private sector, Urban Co-operative, etc. or within the
Group Business Size, like Axis Bank & HDFC Bank]

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Such analysis may be supported by informative

charts/graphs/tables etc.
Challenges faced
RecommendationsReferences