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MUMBAI UNIVERSITY’s

Project On “Recovery of Loan Methods & Loan Aspects” Submitted By Alfred Barretto 10703 Bachelor of Commerce Banking & Insurance Semester V (2007-2008)

PARLE TILAK VIDYALAYA ASSOCIATION’S

S.N.ROAD, MULUND (WEST), MUMBAI – 400 080.

Project On “Recovery of Loan Methods & Loan Aspects” Submitted in Partial Fulfillment of the requirements for the Award of the Degree of Bachelor Of Commerce – Banking & Insurance By:

Alfred Barretto 10703 Bachelor of Commerce Banking & Insurance Semester V (2007-2008) PARLE TILAK VIDYALAYA ASSOCIATION’S

S.N.ROAD, MULUND (WEST), MUMBAI – 400 080.

PARLE TILAK VIDYALAYA ASSOCIATION’S

S.N.ROAD, MULUND (WEST), MUMBAI – 400 080.

CERTIFICATE This is to certify that Shri. Alfred Barretto, a student of B.Com Banking & Insurance Semester V (2007 2008) has successfully completed the project on Recovery of Loan Methods & Loan Aspects under the guidance of Prof. Sundaram.

Project Guide/Internal Examiner Principal Course Co-ordinator External Examiner

DECLARATION I, Alfred Barretto a student of B.Com - Banking & Insurance Semester V (2007 - 2008) hereby declare that I have completed the Project on Recovery of Loan Methods & Loan Aspects.

The information submitted is true and original to the best of my knowledge.

Signature of Student

Alfred Barretto

ACKNOWLEDGEMENT To be an achiever you always got to be a believer and that is what I tried to do while taking into hand this project. Tasks are not accomplished single-handedly you constantly need a strong support system to reach it. This project that has been prepared would have been non-existent without the help of some people who I would dearly want to thank & respect them a lot for whatever they have done for me. I would first like to thank the Almighty for showering his blessings on me & always made me feel his presence. Our principal Mrs. S.M. Diwanji for allowing me to showcase my talent. A special thanks to my Project Guide Mr. Sundaram and Course Co-ordinator Mrs. Shilpa Thakur for giving me constant guidance & giving light to this project. I would also thank my College Computer Lab officials, Library officials who have indirectly helped me in completing this project. A recovery official for providing me with the

practical information and to all the Bank officials who helped me with the primary data. Lastly but not certainly not the least I am grateful to my parents for encouraging me to join this course & provide me with their constant support and assistance to make this project worth presenting before you & also my friends who were there for me. There is one more person who has been a strong encouragement for me & who also played a part in this project Mr. Nitin Gokhale. The Sea once told me about his large empire and how mighty he was but when I told about the above people he felt so small. Yes all of them have been a mighty force and I respect them for that.