Credit appraisal system with reference to HDFC bank

Credit appraisal is the major focus of banking industries these days which helps in understanding and analyzing the situation prevailing currently. This research paper was commissioned to examine the Credit Appraisal Process for Corporate Banking Customers in HDFC Bank. Because of the lot of risk involved in fulfilling the huge financial needs of corporate clients, it is important to know the credit worthiness of the customer in advance. Different banks use different techniques to assess the credit worthiness of the client. In HDFC bank, it is assessed with the help of preparation of CAM (Credit Assessment Memorandum) which includes both qualitative and quantitative analysis. Afterwards, additional assessment has been made. The primary as well as secondary research has been followed in order to analyze and interpret the credit appraisal process and various solutions have been arrived at in order to remove inadequacies related to credit appraisal system.