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It is situated at the east end of Tijara Tehsil of Alwar District, Raj.
It is in the outskirt of NCR (National Capital Region)
It is 55 km. from IGI, New Delhi and 200 km. from State CapitalJaipur
It is spread in 8500 acre and hub of MSME.
Presently more than 2500 MSML scale industries are operational in
area.
Auto Sector is most dominant sector carrying more than 30% of
total industries.
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To find out existing as well as potentialfinancial needs of various small &
medium enterprises in I.E. Bhiwadi.
To examine various ways of banks forfulfilling their needs.
Examine satisfaction among industriesfor services provided by their
respective banks.
What is the source of finance for SMEsother then banks.
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Research Type
Exploratory
Sampling
ConvenientSample
Data Source
PRIMARYDATA
PersonalMeeting
Questionnaire
SECONDARYDATA
Internet
CompanyWebsite
RIICO
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Needs and requirement of various SMEs
Position of SBBJ bank vis--vis with other financialsas well as NBFC.
Various schemes offered by banks
Satisfaction for their respective Bank and switchingpattern among industries.
Potential in Bhiwadi for SBBJ Bank
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Corporate offices at center places
Contacted Person didnt have sufficient knowledge
Transportation
Reluctant to share financial aspects
Respondents didnt corporate
Large area & time constraint
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Established in 1963 with amalgamation of State Bank of Jaipurand State Bank of Bikaner
An Associate Bank of State Bank of India
Total 960+ branches & 510+ ATMs throughout India.
Bank is smoothly migrating to Basel 2 stage.
Banks total business have crossed Rs. 75,000 Cr. Mark andNet profit of Rs. 425 cr. By the end of March 2010.
Bank will soon be come under the SBI merger of all the
associates state bank branches under one name.
Banks operations are classified in 3 segments
a) Treasury operations
b) Corporate operations
c) Retail Operations
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EXAMINE CORE BANKING ACTIVITIES FOR
FULFILLING SMES NEEDS.
Cash Credit Letter of Credit
Export Packing Credit
a) Pre-shipment Credit
b) Post-Shipment Credit Term Loan
Bills Receivables
Bills Payable
Foreign Exchange
Bank Guarantee Overdraft
RTGS (Real Time Gross Settlement)
NEFT (National Electronic Fund Transfer)
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SMALL & MEDIUM ENTERPRISES
Classification of SME (Enterprises)Enterprises have been classified broadly into 2 categories, namely
Enterprises have been defined in terms of investment in Plant
and Machinery /equipment (excluding land and buildings) are as
below:
1.Enterprises engaged in Manufacture/ Production of goods
pertain to any industry.
2.The enterprises engaged in providing/rendering of services.
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DEFINITION OF SMALL, MEDIUM & LARGE
SCALE INDUSTIES
Classification Manufacturing Services Enterprises
MICRO Up to Rs. 25 lakh Investment up to Rs. 10
lakh
SMALL More than 25 lakh and upto Rs. 5 crore
More than Rs. 10 lakh &
up to 2 crore.
MEDIUM More than 5 crore andupto Rs. 10 crore
More than Rs. 2 crore &up to Rs. 5 crore
LARGE More than Rs. 10 crore More than Rs. 5 crore
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Various financing schemeshave been specificallytargeted towards SME
1. CorporateCredit facility for
SME
2. Governmentincentive
financing for SME
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1. CORPORATE CREDIT FINANCING
Type of WC loan Loan Description
Factoring Loans Receivables sold to the bank for
immediate cash
Overdraft Ready cash for any business need
Revolving Credit Loan sum available for fixed period
during which amount repaired
may be re-borrowed
(A) Working Capital Financing:-
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(A)Loan enterprises financing schemes
(B)Micro Loan Programme
(C) Resource productive schemes
(D)Loan insurance scheme II
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TOTAL NO. OF INDUSTRIES ARE IN BHIWADI
0
100
200
300
400
500
600
700
MicroSmall
MediumLarge
400
650
350
100
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TOTAL NO. OF INDUSTRIES SURVEYED
43
35
7
0
5
10
15
20
25
30
35
40
45
50
Small Scale Medium Large
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ASSESSMENT THROUGH PRIMARY
DATA COLLECTIONS
YOU HAVE BANKING ARRANGEMENT (LOAN)
FROM?
55%
40%
5%
Break-up of industries surveyed
In Bhiwadi
Outside Bhiwadi
No Banking tie-up
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2. YOU HAVE BANKING ARRANGEMENT WITH?
11
8
34
21
2 23
5
1 13
20
2
4
6
8
10
12
No. of Industries
Banking Tie-up in Bhiwadi
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3.HOW MUCH IS YOUR CREDIT FACILITY REQUIREMENT IN A
YEAR?
0
5
10
15
20
25
30
l 5
r.
5-15 r. 15-25 r. r
t 25
r.
29
2023
13
Yearly requirement of industries
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4. YOUR INDUSTRY NEED FINANCE FOR?
32%37%
12%7%
12%
05
10152025
303540