UNIVERSITY OF MUMBAI

PROJECT ON
LOAN PROVIDED BY NATIONAL & INTERNATIONAL BANKS
BACHELOR OF COMMERCE
BANKING & INSURANCE
SEMESTER V

(2017-2018)

SUBMITTED
In partial Fulfilment of the requirement for the
Award of Degree of Bachelor of Commerce – Banking & Insurance.

SUBMITTED BY,
ANAGHA PRABHAKAR ADKAR
ROLL NO. - 02

UNDER GUIDANCE,
Asst. Prof. Kunal Soni

MAHARSHI DAYANAND COLLEGE OF ARTS, SCIENCE &

COMMERCE PAREL, MUMBAI – 400 012.
 MAHARSHIDAYANAND COLLEGE
OF ARTS, SCIENCE & COMMERCE
PAREL, MUMBAI – 400 012.

CERTIFICATE

This is to certify that MISS/MR. ANAGHA PRABHAKAR

ADKAR of B. Com (Banking & Insurance) Semester V (2017-2018)
has successfully completed the project on LOAN PROVIDED BY
NATIONAL AND INTERNATIONAL BANKS under the
guidance of Asst. Prof. KUNAL SONI

Course Coordinator Principal

Project Guide/Internal Examiner External Examiner

 DECLARATION

I am MISS/MR. ANAGHA PRABHAKAR ADKAR. The student of

B. com (Banking & Insurance) Semester V (2017-2018) hereby declares
that I have completed the Project on. LOAN PROVIDED BY
NATIONAL AND INTERNATIONAL BANKS The information
submitted is true and original to the best of my knowledge.
 ACKNOWLEDGEMENT

The college, the faculty, the classmates & the atmosphere, in the college
were all the favorable contributory factors right from the point when the
topic was to be selected till the final copy was prepared. It was a very
enriching experience throughout the contribution from the following
individuals in the form in which it appears today. We feel privileged to
take this opportunity to put on record my gratitude towards them.
PROF. KUNAL SONI made sure that the resource was made available
in time & also for immediate advice & guidance throughout making this
project. The principal of our college DR. T.P. GHULE has always been
inspiring & driving force. We are thankful to Mr. SANTOSH SHINDE
associated with administration part of Financial Markets & Banking &
Insurance section has been very helpful in making the infrastructure
available for data entry.
 EXECUTIVE SUMMARY

An amount of money loaned at interest by a bank to a

borrower usually on collateral security, for a certain period.
A senior bank loan is deft financing obligation issued by a bank or
similar financial institution to a company or individual that holds legal
claim to the borrower’s assets above all other debt obligation.
This report is containing the introduction to bank which
include past, present and future of banks and challenges for banking
industry of future. Banks plays most important role in providing
various services. Earlier banks were engaged in accepting and
lending money. But in the recent past the scope of the service
provided by the bank has changed. The growing competition requires
prompt and efficient services to the customers and reasonable time
and cost. This day’s bank aim to provides maximum satisfaction and
quick service to their customers.
The next section of report i.e. training methodology consist
title of objective and limitation of study etc. This section basically
giving the outline the report.
Next section provides info. about the loan and credit facility
title of the objective and limitation of study etc. This section basically
giving outline of the report.
 INDEX

SR. PAGE
TOPICS
NO. NO.

1. Introduction 1

2. Types of Loans 4

3. Definition 7

4. Functions of Commercial Banks 9

5. Foreign Currency Loans 17

6. Types of Credit 22

7. Procedure to obtain different Loans 27

Recovery System of National &
8. International Banks 31

9. NPA Management 36

10. Articles 40

11. Conclusion 44

12. Bibliography 45