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CERTIFICATE

This is to certify thatMr. Omkar Shrikant Naik (Roll No. 430) student of

first year Masters in Management Studies has successful completed the summer

internship project work titledSTUDY OF COLLATERAIL ANALYSIS DONE

BY CITI BANK FOR FINANCING WORKING CAPITAL REQUIRED BY

SMALL SCALE INDUSTRIESwith CITI BANK N.A.in partial fulfillment

for the degree ofMasters in Management Studies of University of Mumbai.

This project report is the record of authentic work carried out during the

academic year 2011-2012.

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ACKNOWLEDGEMENT

Any project would be incomplete without felicitating those instrumental

in its successful completion. I honestly feel that the accolades for this project

cannot just belong to one individual because it has been the result of consolidated

efforts of many people to whom I would like to express my concern and gratitude.

I take this opportunity to thank the University of Mumbai for taking the

initiative of launching the course Masters in Management Studies. MMS has

shaped our careers in a thoroughly professional manner and has given us the

required exposure to the industry.

This project has been a learning experience and it gives me immense

pleasure in expressing my gratitude to Shivajirao Jondhle Institute of

Management Science and Research for providing us with an opportunity to do

this study. This project has helped me to understand the current scenario of

STUDY OF COLLATERAIL ANALYSIS DONE BY CITI BANK FOR

FINANCING WORKING CAPITAL REQUIRED BY SMALL SCALE

INDUSTRIES and to understand the various tools involved in (WORKING

CAPITAL MANAGEMENT)

For this project I acknowledge with special thanks to Prof. for the

guidance provided in compiling and completion of the project and for giving me

this opportunity to take up this project.

This project has been a learning experience for me and this would not

have been possible without their help. I would once again like to thank all for

their valuable support.

- Omkar Naik

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DECLARATION

I hereby declare that the project title STUDY OF

COLLATERAIL ANALYSIS DONE BY CITI BANK FOR FINANCING

WORKING CAPITAL REQUIRED BY SMALL SCALE INDUSTRIES is

submitted in fulfillment ofMasters in Management Studies degree of University

of Mumbai in theacademic year 2010-2012 was carried with sincere intention.

To the best of my knowledge it is an original piece of work done by me and

it has neither been submitted to any other organisation nor published at anywhere

before.

_________________________

(Omkar Naik)